Yayasan Sosial Bina Sejahtera
Indonesia
Last updated July 30, 2012
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.
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
Repayment Performance on Kiva| This Field Partner | All Kiva Partners | ||
| Start Date On Kiva | Aug 14, 2012 | Oct 12, 2005 | |
|---|---|---|---|
| Total Loans | $116,600 | $426,347,875 | |
| Amount of Raised Inactive Loans | $0 | $232,675 | |
| Number Of Raised Inactive Loans | 0 | 211 | |
| Amount of Paying Back Loans | $116,600 | $94,105,575 | |
| Number Of Paying Back Loans | 91 | 101,728 | |
| Amount of Ended Loans | $0 | $332,009,625 | |
| Number Of Ended Loans | 0 | 435,163 | |
| Delinquency Rate | 0.00% | 1.97% | |
| Amount In Arrears | $0 | $1,188,111 | |
| Outstanding Portfolio | $108,020 | $60,351,625 | |
| Number of Loans Delinquent | 0 | 9,474 | |
| Default Rate | 0.00% | 0.97% | |
| Amount of Ended Loans Defaulted | $0 | $3,220,059 | |
| Amount of Ended Loans | $0 | $332,009,625 | |
| Number Of Ended Loans Defaulted | 0 | 9,823 | |
| Currency Exchange Loss Rate | 0.00% | 0.02% | |
| Amount of Currency Exchange Loss | $0 | $77,435 | |
| Refund Rate | 1.46% | 0.95% | |
| Amount of Refunded Loans | $1,700 | $4,068,925 | |
| Number Of Refunded Loans | 2 | 4,589 |
Loan Characteristics On Kiva
Loan Characteristics On Kiva| This Field Partner | All Kiva Partners | ||
| Loans To Women Entrepreneurs | 38.71% | 74.03% | |
|---|---|---|---|
| Average Loan Size | $601 | $407 | |
| Average Individual Loan Size | $1,140 | $646 | |
| Average Group Loan Size | $2,678 | $1,744 | |
| Average Number Of Entrepreneurs Per Group | 14 | 8 | |
| Average GDP Per Capita (PPP) in Local Country | $4,458 | $3,346 | |
| Average Loan Size / GDP Per Capita (PPP) | 13.47% | 12.17% | |
| Average Time To Fund A Loan | 1.62 days | 4.68 days | |
| Average Dollars Raised Per Day Per Loan | $369.80 | $86.89 | |
| Average Loan Term | 62.51 months | 9.61 months |
Journaling Performance on Kiva
Journaling Performance on Kiva| This Field Partner | All Kiva Partners | ||
| Total Journals | 112 | 203,555 | |
|---|---|---|---|
| Journaling Rate | 0.00% | 39.96% | |
| Average Number Of Comments Per Journal | 0.00 | 0.11 | |
| Average Number Of Recommendations Per Journal | 0.02 | 2.72 |
Borrowing Cost Comparison (based on 2009 data)
Borrowing Cost Comparison (based on 2009 data)| This Field Partner | Median for MFI Peers in Country | All Kiva Partners | ||
| Portfolio Yield | N/A | N/A | 35.02% | |
|---|---|---|---|---|
| Profitability (Return on Assets) | N/A | N/A | -0.38% | |
| Average Loan Size (% of Per Capita Income) | N/A | 25.10% | 46.53% |
Country Fast Facts
Country Fast Facts- Country:
- Indonesia
- Capital:
- Jakarta
- Official Language:
- Indonesian
- Population:
- 222,781,000
- Avg Annual Income:
- $4,458
- Labor Force:
- agriculture: 43.3% industry: 18% services: 38.7%
- Population Below Poverty Line:
- 17.8%
- Literacy Rate:
- 87.9%
- Infant Mortality Rate (per 1000):
- 34.39 deaths
- Life Expectancy:
- 69.87 years
Field Partner Staff
Irene Fungarda gariyanto
jonathan hiebert