Greater ease of access to investment through technology has led more\nand more Indonesians to start investing. However, amid dynamic market\nconditions, investors still need to understand their financial goals,\nrisk profiles and the legality of products before committing their\ncapital.<\/p>\n
Certified Financial Planner (CFP) Lolita Setyawati said public\ninvestment trends are shifting. Whereas investors previously chased\nquick profits, growing numbers now consider whether an investment\nmatches their financial goals, risk profile and the transparency of fund\nmanagement.<\/p>\n
\u201cWhen starting to invest, the most important thing is to know\nyourself \u2014 understand your investment objectives, your risk tolerance\nand how the chosen product works,\u201d said Lolita.<\/p>\n
Responding to these needs, Amartha has introduced Amartha Prosper,\nincluding its Grassroots Growth Series (GGS), which allows the public to\ninvest while supporting productive financing for women-led MSMEs in more\nthan 50,000 villages across Indonesia.<\/p>\n
Amartha\u2019s Chief Funding Officer, Julie Fauzie, said investment can\ndeliver not only potential returns but also wider economic impact.<\/p>\n
\u201cThrough Amartha Prosper, people can invest while supporting\nproductive financing for women-led MSMEs in rural areas, so that\ninvestment also benefits the wider economy,\u201d she said.<\/p>\n
Together with Lolita Setyawati, Amartha has shared five steps for\ninvesting wisely: ensuring one\u2019s basic financial position is secure;\nunderstanding investment goals and risk profile; choosing legal products\nwith clear mechanisms; starting with small amounts invested\nconsistently; and considering the social impact of how investments are\nchannelled.<\/p>\n
Lolita also reminded investors to use \u201ccold money\u201d \u2014 not emergency\nfunds or borrowed money.<\/p>\n
\u201cThe principle of choosing an investment is simple: legal and\nlogical. Investors must understand where their funds are placed, how\nthey are managed, and where the potential returns come from,\u201d she\nsaid.<\/p>\n
Amartha Prosper offers several investment profiles \u2014 Balanced-Flex,\nBalanced, Progressive and Dynamic \u2014 which can be matched to each\ninvestor\u2019s character and risk tolerance.<\/p>\n
Over more than 16 years, Amartha has disbursed more than Rp47\ntrillion in financing to more than four million women-led MSMEs in\nIndonesia. In 2025, this financing helped create around 90,000 new jobs,\n86 per cent of which were filled by women.<\/p>\n
Julie added that investments channelled into the real sector, such as\nMSMEs, not only help investors diversify their portfolios but also\nbroaden access to capital for small business owners and foster more\ninclusive economic growth.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/amartha-shares-five-tips-for-wise-investing-to-support-women-owned-msmes-1784458214", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }