Problem
A digital cooperative platform required connected savings, loans, marketplace, PPOB, payroll, tax, and member-balance workflows in a multi-tenant environment.
My Role
Worked as Senior Programmer on backend modules, database workflows, external service integrations, and hybrid mobile delivery.
Architecture
Developed multi-tenant backend services with Express.js, PostgreSQL, and Redis, exposed to web and Capacitor/PWA clients.
Key Features
- Savings, loans, marketplace, PPOB, payroll, and balance management.
- Payment-gateway and PPOB integration with transaction reconciliation.
- PPh 21 TER progressive tax calculation.
- Multi-tenant service and data workflows.
Technical Challenge
Coordinating financial calculations and external transaction states across several connected cooperative modules.
Outcome
Delivered backend capabilities supporting the cooperative workflow from member balances and payroll through payments and marketplace transactions.
