Arisan Aman
Trust the Chain, Grow the Circle
Created on 8th December 2025
•
Arisan Aman
Trust the Chain, Grow the Circle
The problem Arisan Aman solves
Traditional arisan (rotating savings groups) in Indonesia face 5 critical problems that Arisan Aman solves:
1. TRUST & SAFETY ISSUES
- Physical cash collection risks theft/loss
- Organizer ("penyelenggara") may abscond with funds
- No guarantee of payout when your turn comes
- Social pressure makes enforcement difficult
2. INEFFICIENCY & HASSLE
- Manual collection every month
- Tracking who paid/who didn't
- Scheduling physical meetings
- Reminding members constantly
3. LACK OF TRANSPARENCY
- Members can't verify total collected
- No clear audit trail
- Doubts about fairness in turn selection
- Hidden costs or fees
4. LIMITED ACCESSIBILITY
- Geographic constraints (must be local)
- Time constraints (must attend meetings)
- Social constraints (need existing relationships)
- No options for different contribution levels
5. NO FINANCIAL GROWTH
- Money sits idle (no interest)
- No credit history building
- No integration with financial system
- Cannot scale beyond personal network
Related link :
MOCK IDRX TOKEN = https://sepolia-blockscout.lisk.com/token/0x1c83335b8256589B51dc39500B20685ff4bb090e
DEBT NFT TOKEN = https://sepolia-blockscout.lisk.com/address/0xcf354E5F7e6Aef5a2a9F9e51518738e73F537818?tab=contract
ARISAN FACTORY = https://sepolia-blockscout.lisk.com/address/0xA5701E7Bdf15B737Eb611cCC03139BEf5b31f84b?tab=contract
REPUTATION REGISTRY = https://sepolia-blockscout.lisk.com/address/0x4d13a35Dd6F3eeC8851aCCF6Acf051f11a2a38b8?tab=contract
Challenges we ran into
HOW ARISAN AMAN MAKES EXISTING TASKS EASIER & SAFER
5 POINTS: EASIER
1. AUTOMATED COLLECTION & DISTRIBUTION
- Before: Manual collection, chasing late payments, physical cash handling
- With Arisan Aman: Automatic deductions from e-wallet/bank, instant distribution on payout day, no physical meetings needed
Example: Office arisan with 30 members - saves 2 hours/month per person in collection time
2. FLEXIBLE PARTICIPATION
Before: Must attend monthly meetings, limited to local participants
With Arisan Aman: Join from anywhere in Indonesia, participate in multiple groups simultaneously, adjustable contribution levels
Example: Jakarta office worker can join hometown arisan, office arisan, and hobby group arisan simultaneously
3. INTELLIGENT SCHEDULING & REMINDERS
Before: Manual scheduling, forgotten payments, awkward reminders
With Arisan Aman: Smart scheduling based on member preferences, automatic reminders 3 days/1 day before, push notifications
Example: System automatically reschedules payout for member going on maternity leave
4. DIGITAL RECORD KEEPING
Before: Notebook records, disputes over payments, lost records
With Arisan Aman: Permanent digital ledger, instant payment history, downloadable reports for tax/accounting
Example: Small business owner uses arisan history as informal financial record for loan applications
5. SEAMLESS INTEGRATION
Before: Cash-to-bank transfers, reconciliation headaches
With Arisan Aman: Direct integration with GoPay, OVO, bank accounts, DANA; automatic reconciliation
Example: Funds automatically transferred to winner's preferred e-wallet at midnight on payout day
Tracks Applied (1)
Winner Classification
Technologies used