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The story of Amalia, sister of Heru:

I have lived with my grandmother since I was born. My family's financial condition means we don't have our own house yet. When I was in sixth grade, my mother left us to work abroad. It has been 4 years since then, but there's no news about her. It's difficult to contact her too. During this time my brother also helped me in my education and living expenses. My brother tried to help me by following the Kiva program so I can go back to school to help my grandmother.

Meanwhile, my father went home to his parents and works as a laborer. I have a younger sibling who lives with me and grandmother. My grandmother has been the one who is taking care of us and funding our study. I hope I can do something for her. It should be great if I can keep on studying without being more of a burden for her. In the picture, Heru and his sister, Amalia.

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
  • 79
    View loans »
    Indonesia Loans Fundraising
  • $5,759,400
    Funds lent in using Kiva
  • 11,342.7
    Indonesia Rupiahs (IDR) = $1 USD