Amartha Shares Five Tips for Wise Investing to Support Women-Owned MSMEs

Greater ease of access to investment through technology has led more and more Indonesians to start investing. However, amid dynamic market conditions, investors still need to understand their financial goals, risk profiles and the legality of products before committing their capital.

Certified Financial Planner (CFP) Lolita Setyawati said public investment trends are shifting. Whereas investors previously chased quick profits, growing numbers now consider whether an investment matches their financial goals, risk profile and the transparency of fund management.

“When starting to invest, the most important thing is to know yourself — understand your investment objectives, your risk tolerance and how the chosen product works,” said Lolita.

Responding to these needs, Amartha has introduced Amartha Prosper, including its Grassroots Growth Series (GGS), which allows the public to invest while supporting productive financing for women-led MSMEs in more than 50,000 villages across Indonesia.

Amartha’s Chief Funding Officer, Julie Fauzie, said investment can deliver not only potential returns but also wider economic impact.

“Through Amartha Prosper, people can invest while supporting productive financing for women-led MSMEs in rural areas, so that investment also benefits the wider economy,” she said.

Together with Lolita Setyawati, Amartha has shared five steps for investing wisely: ensuring one’s basic financial position is secure; understanding investment goals and risk profile; choosing legal products with clear mechanisms; starting with small amounts invested consistently; and considering the social impact of how investments are channelled.

Lolita also reminded investors to use “cold money” — not emergency funds or borrowed money.

“The principle of choosing an investment is simple: legal and logical. Investors must understand where their funds are placed, how they are managed, and where the potential returns come from,” she said.

Amartha Prosper offers several investment profiles — Balanced-Flex, Balanced, Progressive and Dynamic — which can be matched to each investor’s character and risk tolerance.

Over more than 16 years, Amartha has disbursed more than Rp47 trillion in financing to more than four million women-led MSMEs in Indonesia. In 2025, this financing helped create around 90,000 new jobs, 86 per cent of which were filled by women.

Julie added that investments channelled into the real sector, such as MSMEs, not only help investors diversify their portfolios but also broaden access to capital for small business owners and foster more inclusive economic growth.