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This is the story of Ferdinandus, son of Benediktus:

My favourite lesson is English because I have a dream to go abroad visiting many foreign countries, especially America. I have a little bit of a problem in adaptation with others because most of my friends are using traditional Javanese language. I am a newcomer in Java, and my origin place is Kalimantan/Borneo Island where the language is different from Java Island. But it’s all right; I feel comfort here since actually they are friendly, and the teachers are nice, too. I joined youth church activity called TERAMO. I am able to manage my time well for both of my school and church activities.The financial condition of my family is not good. My parents are poor, and we also have debt to the bank, so they cannot pay my school fees. Now, I am standing near the “Dropout Gate”. Hopefully, to all generous Kiva lenders, I would like to ask you to help me so that I can carry on my study, and at last I can reach the dream of my life. My hometown is Sajiram. It is geographically hilly, rocky and far from a big city. The job of my father is a government officer. His salary per month is between 1 – 3 million rupiahs. The number of children in the family is four, including me. Their ages are 7 years, 11 years, 13 years and 17 years old.If I am given the Kiva loan from lenders, I will spend it to pay my school fees. At school, I learn many lessons, for example, English, computer and networking (my vocational majority), chemistry, math, Indonesian language and so on. I chose the computer and networking because I am interested in computers; computers are unseparated things from the world and human life. Besides that, I want to be a computer expert.After graduation, I want to get a job in a foreign company. (There are) some fun (parts) about school, such as having new friends and sharing each other.
In the picture, Ferdinandus and Benediktus his father.

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
  • 85
    View loans »
    Indonesia Loans Fundraising
  • $5,740,200
    Funds lent in using Kiva
  • 11,342.7
    Indonesia Rupiahs (IDR) = $1 USD