Partner Description:

Yayasan Sosial Bina Sejahtera (YSBS) is a non-governmental organization that has worked on poverty reduction, food security, gender issues, education, public health, and climate change in Central Java, Indonesia for over 40 years. Enjoying strong relationships with local and national governments and local Muslim leaders, YSBS now oversees several agencies including:

Education - Running 25 schools including five senior high school-level vocational schools.The vocational schools offer a balance of theoretical and practical training in various programs including light automotive, farming, fisheries, accounting, and sewing, and provide students with job placement services. Many Indonesian students attend vocational senior high schools, instead of general senior high school.

Women’s Self-Help Group - A microfinance program for women called Kelompok Swadaya Wanita (KSW) that serves over 2,000 women. The KSW program is driven by a social mission to empower women and alleviate poverty in rural parts of Indonesia. Financial education and savings are encouraged through KSW, and women are required to attend four training sessions prior to forming groups.  

Socio-economic development - Executing infrastructure projects like roads and bridges.

Charity and health - Providing services for the vulnerable including surgeries for prosthetic limbs, cysts and cleft lips, wheelchairs for the disabled, and transgender counseling.

Minomartani- A child sponsorship and nutrition program run in partnership with Child Fund.

YSBS also has a close affiliate, Yayasan Pembina Pendidikan Kemaritiman (YPPK), which runs Akademi Maritim Nusantara, a tertiary institute for maritime education. The academy teaches approximately 600 students across three disciplines: ship engineering, nautical science, and maritime economics.  

Kiva funding will be used to supplement and expand several YSBS and YPPK programs.
Kiva lenders have the opportunity to fund zero-interest student loans for poor and low-income students at the maritime academy, and YSBS’ senior high vocational schools. Other Kiva loans can be made to women in the KSW microfinance program.

Repayment Performance on Kiva

    This Field Partner All Kiva Partners
  Start Date On Kiva Aug 14, 2012 Oct 12, 2005
Total Loans $314,675 $596,456,075
Amount of raised Inactive loans $0 $749,875
Number of raised Inactive loans 0 614
Amount of Paying Back Loans $264,175 $119,690,425
Number of Paying Back Loans 204 127,535
Amount of Ended Loans $50,500 $476,015,775
Number of Ended Loans 16 603,926
Delinquency Rate 0.00% 3.74%
Amount in Arrears $0 $2,923,153
Outstanding Portfolio $256,042 $78,164,901
Number of loanDelinquent 0 10,814
Default Rate 0.00% 1.12%
Amount of Ended Loans Defaulted $0 $5,345,655
Amount of Ended Loans $50,500 $476,015,775
Number of Ended Loans Defaulted 0 16,811
Currency Exchange Loss Rate 0.45% 0.09%
Amount of Currency Exchange Loss $1,413 $538,749
Refund Rate 0.54% 0.76%
Amount of Refunded Loans $1,700 $4,537,625
Number of Refunded Loans 2 5,064

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 37.92% 74.20%
Average Loan Size $639 $418
Average Individual Loan Size $1,209 $656
Average Group Loan Size $3,296 $1,829
Average number of borrowers per group 12.9 8
Average GDP per capita (PPP) in local country $4,458 $3,427
Average Loan Size / GDP per capita (PPP) 14.34% 12.20%
Average Time to Fund a Loan 4.8 days 5.64 days
Average Dollars Raised Per Day Per Loan $133.26 $74.12
  Average Loan Term 59.37 months 10.37 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 113 297,569
  Journaling Rate 17.65% 42.38%
  Average Number of Comments Per Journal 0.00 0.08
  Average Number of Recommendations Per Journal 0.02 1.86

Borrowing Cost Comparison (based on 2011 data)

    This Field Partner Median for MFI's in Country All Kiva Partners
  Average Cost to Borrower 11% APR 40.00% PY 33.26% PY
  Profitability (return on assets) N/A 1.8% -1.45%
  Average Loan Size (% of per capita income) N/A 23.00% 40.88%

Country Fast Facts

Field Partner Staff

arda gariyanto