The Role of Adolescent Financial Independence: Challenges and Opportunities in the Modern Era at Daarul Shafa Islamic Boarding School, Depok City, West Java

Abstract

Adolescent financial independence is an important skill in facing modern economic challenges. In the digital age, teenagers face various obstacles such as low financial literacy, a consumptive lifestyle influenced by social media, limited access to income, and dependence on parents. However, technological advancements also open up broad opportunities for young people to earn income through digital entrepreneurship, freelance work, and early investment. Through increased financial literacy, habitual saving, careful financial planning, the use of financial technology, and family and environmental support, adolescents can develop healthy financial management patterns. This research confirms that financial independence not only has an impact on personal economic management, but also shapes responsibility, maturity, and the readiness of the younger generation to face global economic dynamics.