Holistic Education: Combining Financial Literacy and Soft Skills in High Schools

Abstract

Exploring the importance of financial education for the younger generation in facing the challenges of globalization and the digital era. The research was carried out at the Daarul Shafa Islamic Boarding School, Depok City, using a participatory-educational approach that included socialization, discussion, and financial simulation. The results show that before education, most students have a limited understanding of financial literacy. After participating in the activity, students show an increase in engagement, simple financial planning skills, and enthusiasm to apply the material learned. Some of the factors that affect financial literacy include family roles, school environment, social interactions, and individual character. This study emphasizes that financial education that starts early is very important to build the mindset, habits, and financial independence of the younger generation, and needs to be integrated into formal curricula, community programs, and the use of digital technology.