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Ratna was born in a small village in Laung, Kapuas Hulu, West Kalimantan. Ratna is an only child, coming from a family background that is not well off. Her parents do not have decent educations, so she does not have a steady job. Her father only received education up to high school graduation and the mother did not complete primary school. Her parents are small farmers who work on farms owned by others, and their income is not enough, so they are not able to send Ratna to college.

Ratna wants to continue study in college to improve the economic condition of the family. She wants to become an expert in nautical science. Because Indonesia is an archipelagic nation, certainly there are a lot of jobs in the field of nautical science, both for domestic shipping and international shipping. Ratna dreams of becoming a ship captain so she can sail around the world.

Ratna wants to continue her study at the Academy of Maritime Nusantara Cilacap, Department of Nautical science. Ratna choose AMN because her parents could not afford college. Once she becomes an expert in nautical science, she can get a job in Indonesia or in a foreign company. Ratna wants to achieve her dreams without burdening her parents. The Student Loan Program from Kiva will establish high expectations for Ratna, because then she can go to college and someday be able to achieve her goals.

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
  • 23
    View loans »
    Indonesia Loans Fundraising
  • $6,137,150
    Funds lent in using Kiva
  • 9,969.3
    Indonesia Rupiahs (IDR) = $1 USD