Bantuan UMKM is an Arghafy R&D mobile app that traces government assistance funds for small businesses from allocation to disbursement. A government budget is issued under a regulation code, allocated to a Mitra UKM for a specific activity, then allocated further to individual UKM recipients, with a blockchain transaction hash recorded at every step so the aid trail stays auditable end to end.
Case study
See why this system matters, how Arghafy shapes delivery, and what clients can expect.
Business problem
Government assistance budgets for small businesses often pass through several intermediaries before reaching the actual UKM recipient, and each hand-off is hard to audit. Without a shared, tamper-resistant record, it is difficult to prove how much aid was allocated, to whom, and whether it arrived intact.
Arghafy solution
Arghafy built Bantuan UMKM as an in-house R&D initiative: government transactions are created under a regulation code, allocated to a Mitra UKM for a specific activity, then allocated further to individual UKM recipients, with a blockchain transaction hash recorded at each step so the full aid trail stays auditable end to end.
Timeline estimate
Built as an internal R&D initiative. A white-label rollout for a government agency or aid program typically takes 10-16 weeks depending on the number of allocation levels, reporting requirements, and wallet/identity setup.
Best fit customer
Government agencies, cooperatives, and aid programs that need a transparent, auditable trail for how assistance funds move from budget allocation to the small businesses that receive them.
Tech stack
Delivery scope
Project focus
Metrics that matter
3
Roles: Pemerintah, Mitra UKM, UKM
On-chain
Transaction hash at every allocation level
RN
Cross-platform iOS and Android app
JWT
Role-secured backend API
Pricing options
These are estimated ranges. Final pricing depends on branding, deployment, integrations, data migration, and support.
Subscription
IDR 5-10M / month
Approx. USD 315-625 / month
For government partners or aid programs that want a managed fund-tracking app with ongoing support and updates.
White label purchase
IDR 80-160M
Approx. USD 5K-10K
One-time build for agencies that want the app under their own branding, deployment, and data control.
Bantuan UMKM Modules
Each module supports the distribution flow: government issues a budget, Mitra UKM allocates it, and every step becomes a traceable, auditable record.
Pemerintah creates a funding transaction tied to a regulation code (kode regulasi) and budget amount, recorded with a blockchain transaction hash once issued.
Government budgets are allocated to a Mitra UKM for a specific activity type, creating a traceable link between the source budget and the distributing partner.
Mitra UKM allocates a specific amount to an individual UKM recipient, which can then be validated with its own on-chain transaction hash.
Every allocation level, government to Mitra and Mitra to UKM, is recorded with a blockchain transaction hash, so the full aid trail can be audited end to end.
Users connect a crypto wallet via MetaMask SDK, using ethers.js for signing and on-chain interaction.
Pemerintah, Mitra UKM, and UKM roles see different dashboards, from issuing budgets to receiving and reporting on allocated funds.
A Node.js/Express API with Prisma ORM handles authentication, transaction records, and allocation tracking, secured with JWT.
Arghafy approach
Arghafy can build from scratch, improve existing applications, or connect websites and internal tools into one cleaner workflow.
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