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Niko was born 21 years ago in Galai Dubu village, Pulau-pulau Aru Subdistrict, in North Maluku District. His father works as a carpenter and he has two siblings. Niko is the oldest. He wants to continue his education after finishing Vocational School for Tourism, in Langgur city. He wants to continue his education at the Maritime Academy but his parents can’t give him money for his education because his parents have to be thinking of his two brothers who need to continue their school through Senior High School. His friends told him that in Cilacap-Central in Java, there is a Maritime Academy that can help him pay for his education through the Student Loans Program. Niko asked for this loan to pay for his education fees at the Maritime Academy Nusantara in Cilacap. His dream, when he finishes his education from Maritime Academy, is to have an opportunity to work in The Government Marine Transportation Services in North Maluku.

Additional Information

More information about this loan

This loan is part of a YSBS higher education program through affiliate YPPK designed to help high-achieving high school graduates afford higher education at a top maritime academy. Akademi Maritim Nusantara trains students in ship engineering, nautical science, and maritime economics, and helps them find jobs after graduation. By funding this zero-interest loan, you are supporting a student who couldn’t otherwise afford higher education. Students are expected to repay in monthly installments after they are employed.

Please be advised that this loan might carry a grace period while the student is in school that may result in a lengthy loan term. Please refer to the Repayment Schedule before making this loan.

About Yayasan Sosial Bina Sejahtera (YSBS)

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. Kiva lenders can fund tuition loans for students attending YSBS’ maritime academy and senior vocational high school to help them launch their careers, or enterprise loans for rural groups of women participating in the organization’s microfinance program.

About Indonesia

  • $5,200
    Average annual income
  • 87
    View loans »
    Indonesia Loans Fundraising
  • $5,739,450
    Funds lent in using Kiva
  • 9,584.0
    Indonesia Rupiahs (IDR) = $1 USD