Kiva conducts regular, ongoing monitoring of all Field Partners, but only posts status updates here in response to relevant, major changes at the partner.

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 $360,675 $617,567,275
Amount of raised Inactive loans $0 $398,400
Number of raised Inactive loans 0 630
Amount of Paying Back Loans $307,025 $122,962,775
Number of Paying Back Loans 242 132,884
Amount of Ended Loans $53,650 $494,206,100
Number of Ended Loans 17 624,169
Delinquency Rate 0.00% 4.22%
Amount in Arrears $0 $3,365,759
Outstanding Portfolio $297,925 $79,785,933
Number of loanDelinquent 0 15,707
Default Rate 0.00% 1.10%
Amount of Ended Loans Defaulted $0 $5,443,290
Amount of Ended Loans $53,650 $494,206,100
Number of Ended Loans Defaulted 0 16,936
Currency Exchange Loss Rate 0.41% 0.10%
Amount of Currency Exchange Loss $1,467 $614,667
Refund Rate 0.47% 0.74%
Amount of Refunded Loans $1,700 $4,567,000
Number of Refunded Loans 2 5,104

Loan Characteristics On Kiva

    This Field Partner All Kiva Partners
  Loans to Women Borrowers 39.48% 74.24%
Average Loan Size $661 $419
Average Individual Loan Size $1,192 $655
Average Group Loan Size $3,330 $1,835
Average number of borrowers per group 13 8
Average GDP per capita (PPP) in local country $4,458 $3,414
Average Loan Size / GDP per capita (PPP) 14.83% 12.27%
Average Time to Fund a Loan 6.24 days 5.76 days
Average Dollars Raised Per Day Per Loan $106.03 $72.70
  Average Loan Term 61.12 months 10.46 months

Journaling Performance on Kiva

    This Field Partner All Kiva Partners
  Total Journals 113 308,140
  Journaling Rate 17.65% 42.27%
  Average Number of Comments Per Journal 0.00 0.07
  Average Number of Recommendations Per Journal 0.02 1.80

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 33.15% PY
  Profitability (return on assets) N/A 1.8% -1.29%
  Average Loan Size (% of per capita income) N/A 23.00% 38.08%

Country Fast Facts

Field Partner Staff

arda gariyanto

Kiva Fellow(s)

Irene Fung