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This is the story of Hartini, daughter of Lasmi:

I chose accounting because I am sure this will bring me toward my dream. Making a new adaptation with new conditions at school is maybe a little bit hard for me, but it’s ok. I can overcome. Some fun things for me are having many friends and studying with friendly teachers.

I would like to thank the Kiva program. My family was helped, so I can continue my study in spite of my family being poor.

My hometown is Brebeg village, Jeruklegi subdistrict, Cilacap Regency, Mid Java Province, Indonesia. The roads around my village are bad, with many holes, muddy and rocky. It’s difficult to pass by. My parents are farmers. Their salary is low and not enough to fulfill the needs of us. Their salary is around Rp. (Rupiah) 200,000 per month.

The number of children in my family are six. They are Lasimin (35 years old), Lasinah (33 years old), Haryati (29 years old), Turiman (26 years old), Endang Susiati (19 years old), and me (16 years old). I am the only child who is studying at school. With this loan, I can go to school again, and I hope I can reach my dream. My family is very grateful to Kiva.

In this school, I will study about accounting lessons. I want to get a job as an accountant and can help my parents.

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
  • 11,308.9
    Indonesia Rupiahs (IDR) = $1 USD