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The story of Dewi, daughter of Ismanto:

I chose accounting as a major because I think it is the most suited to me. Beside that, it is more fun if compared with others. The little hard thing for me was making an adaptation with new environment but now, I am glad because I have many new friends. Thanks to KIVA lenders, you give me a chance to carry on my studies. I hope I can reach my dream. My family is also happy because of you.

My hometown is Brebeg village, Jeruklegi subdistrict, Cilacap Regency, Mid Java Province, Indonesia. The roads around my village are bad, many holes, muddy and rocky. It’s difficult to use them. My father is a simple laborer. His salary is very low and not sufficient to fulfill our needs. He earns around Rp.350,000. The number of children in our family is seven. Their ages are : 30, 28, 19, 15 years old (me), 10 and 8 years old. The children who are still at school are Sulastri (10), Mery Analisa (19), Hesti Anggraeni (8), and me.

This loan can improve my life and family. It can help me to continue my studies until the end of my time in school. I will learn accounting because I want to be a good and professional accountant.

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
  • 77
    View loans »
    Indonesia Loans Fundraising
  • $5,759,400
    Funds lent in using Kiva
  • 11,308.9
    Indonesia Rupiahs (IDR) = $1 USD