Amartha Urges Public to Invest Wisely According to Risk Profile
Jakarta (ANTARA) - Amartha Financial is encouraging the public to invest more wisely amid dynamic market conditions, with financial planning aligned to a measured risk profile.
Certified Financial Planner Lolita Setyawati, in a statement received in Jakarta on Monday, said public interest in investment has changed significantly in recent years, with more people considering the suitability of their risk profile, financial goals, and the transparency of investment management.
Lolita said that before starting to invest, it is important to understand one’s personal financial situation.
According to her, investing should be done once basic needs are in order, including having a healthy cash flow, manageable debt instalments, and ensuring an emergency fund is available.
“An emergency budget should remain a priority. Ideally, it should reach six times your monthly expenses. However, if that is not yet feasible, start with at least two to three times your monthly expenses,” Lolita explained.
She also reminded the public not to use emergency funds or borrowed money to invest. Investments should be made with “cold money” — funds that are not needed for essential needs in the near term.
In addition, Lolita said it is important for investors to understand their investment objectives, the risks involved, and how an investment product works before making a decision.
According to her, one should not invest simply because others are earning returns or out of fear of missing a trend.
She also said investors need to manage disappointment if results do not meet expectations, and reduce that risk by understanding how the product works, its risks, and its potential returns.
Amid the growing range of investment products, the public also needs to be more careful in choosing instruments that suit their needs and risk profile.
Lolita emphasised the importance of checking a product’s legality, its investment management mechanism, its potential returns, and its suitability for each individual’s goals and financial situation.
“The principle is simple: legal and logical. Legal means the product is licensed and supervised by the relevant authorities. Meanwhile, logical means we understand how the financial position is managed, where the funds are channelled, and where the potential returns come from. Therefore, when choosing an investment, one should not only look at the return figures, but also consider each investor’s own goals and financial plan,” Lolita explained.
Lolita also noted that investing can start with small amounts, begun as early as possible and maintained consistently according to one’s financial capacity.
With easier access, people can invest more quickly even with small capital, allowing returns to compound over the long term.
One option is investing in products that offer not only returns but also a connection to the real sector, including productive MSME financing that plays an important role in driving the community economy.
To meet this need, she continued, the company presents Amartha Prosper, including through the Grassroots Growth Series (GGS), as an alternative investment option that allows the public to invest while supporting productive financing for women-led MSMEs.
“Through Amartha Prosper, the public can invest while supporting real-sector financing, particularly productive financing for women-led MSMEs in rural areas. Investors not only gain potential returns, but the invested funds also deliver a broader and more inclusive economic impact,” said Amartha Chief Funding Officer Julie Fauzie.
For more than 16 years, Amartha has disbursed business capital to more than 4 million women-led MSMEs in rural areas, with total funding disbursed exceeding Rp47 trillion.
This dual value has received a positive response from retail investors, reflected in high interest in Amartha Prosper since its launch in January 2026.
In addition to offering attractive growth potential, Amartha Prosper also serves as an alternative investment outside conventional assets, helping investors diversify their portfolios whilst creating sustainable positive impact.