Business financial CA Portrait of a Financial Analyst Working on Computer with Multi-Monitor Workstation with Real-Time Stocks, Commodities and Exchange Market Charts. Businesswoman at Work in Investment Broker Agency.
Around the world, whether in cities or villages, in rich countries or poor ones, young people wake up with big dreams. They have ideas, enthusiasm, and want to make a difference. But they often don’t have what they need to do that. Not just money, but access to chances, to trust, and to systems that support them. That’s where financial inclusion becomes more than a fancy term. It’s a way to help, to give people fairness, and a human right. When we talk about helping young people with financial inclusion, we’re not just talking about bank accounts or mobile money. We’re talking about giving them respect, confidence, and space to make their own futures.
Bridging the Gap Between Potential and Possibility
It’s sad that young people, who are often very creative, flexible, and energetic, are often shut out from financial systems. Many can’t get loans, don’t qualify for credit, or don’t understand money because no one has taught them.
But financial inclusion isn’t charity. It’s an investment in the future. A young girl who gets microcredit can start a small business. That can change her life and help her whole community. A teenager who learns to save and plan money can become responsible, smarter, and maybe even a leader or entrepreneur someday.
When we bring young people into the financial world, we give them the tools to reach their goals. We make it easier for them to turn what is into what could be.
Enablement is more than Financial—It’s Emotional
Helping youth through financial inclusion also means believing in them. It means making spaces where their ideas are heard and taken seriously. For young people, especially in poor areas, not having access to finance can mean they are left out socially. It tells them they don’t matter.
We can change this by teaching them about money. Not just school lessons, but real skills like managing money, avoiding bad loans, saving, and knowing their rights. When young people understand money, they feel less vulnerable, more confident, and ready to take action.
But we need to go beyond that. Banks, governments, and communities should work together to create systems that are easy for young people to use, clear, and open to all. Because helping isn’t just giving; it’s making it possible.
Small Steps, Big Impact
Helping young people doesn’t always mean giving big loans or starting huge projects. Sometimes, it’s just opening a tiny savings account or setting up a youth group. It starts when we stop seeing young people as too young or inexperienced and start seeing their energy, ideas, and ability to lead.
Imagine a group of young people starting a food delivery service. Or a student building a website to sell handmade crafts. Or a girl in the countryside saving coins on her phone so she can go to school. These are real stories. They show that when young people get the tools, they don’t just survive—they create, change, and improve things.
Inclusion is Enablement, and Enablement is Freedom
At the core, financial inclusion isn’t just about money. It’s about giving people the freedom to choose, plan, create, and contribute. Helping young people isn’t about control. It’s about trusting them to shape their own world.
If we don’t support our youth, we fail. Our best hope is to give them the tools—money, education, and trust—that they deserve. They are worth it. When we include young people, they grow and help everyone around them too.
By: AYUNINGTYAS TRI JAYANTI
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