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This is the story of Neffa, daughter of Kuwatiningsih:

I live in Kawunganten city of the district, a weak economic environment. My mother worked as a laborer. This program is very helpful because I am really poorer. I go to school by walking because the distance from home to school is only 500 meters.

I love learning accounting because this subject is easy to learn and easy to get work if we have that accounting skill. I hope I will be a talented student in this vocational school.

After I come back from school, I usually take a rest for a while; I do my homework, and then I help my parents to do housework. This loan is very helpful and very useful for me; that’s why I want to say thank you a lot for this program and all of the lenders.
In the picture, Neffa and her mother, Kuwatiningsih.

Additional Information

More information about this loan

This loan is part of a YSBS vocational school loan program designed to help poor and low-income students. In the Cilacap region of Central Java, a significant number of students drop out of school following junior high because they can’t afford to continue. This loan product is designed to help these students attend senior high schools, which train them in specific vocations including accounting, farming, and fishing, and help them find jobs. This is a zero-interest loan, and 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
  • 78
    View loans »
    Indonesia Loans Fundraising
  • $5,759,400
    Funds lent in using Kiva
  • 11,310.0
    Indonesia Rupiahs (IDR) = $1 USD