Becoming a Modern Kartini, Grasping Financial Independence for a Bright Future

Kapanlagi.com - In this modern era, being a Kartini is no longer just about wearing a kebaya and fighting for women's rights. Now, financial independence has become one of the main approaches to achieving freedom and control over life. According to Rista Zwestika CFP, WMI, a financial planner, financial independence is more than just having your own money; it is about having the power to determine the direction of your life.

"Financial independence provides a very important layer of security for women. They do not need to rely on others to meet their basic needs and can face various unexpected situations, such as losing a partner's job, divorce, or even domestic violence, with the strength of their own resources," Rista stated in a message sent to Lifestyle Liputan6.com.

With financial independence, women can make wiser choices and are not forced to endure detrimental situations. Having control over finances also boosts confidence and self-esteem. "They feel empowered because they can meet their own needs and contribute to the family without feeling dependent. This also gives them the freedom to pursue their dreams and personal goals without being hindered by financial limitations," she added.

Furthermore, financial independence is an important pillar in achieving gender equality. Rista emphasizes, "When women have their own economic resources, their voices become stronger in families, communities, and in decision-making." This certainly reduces the power gap and allows for more equal participation in various aspects of life.

Sari Insaniwati, CFP, who is also a financial planner and partner in an educational plan, added that financially independent women not only benefit themselves but can also provide support to others. "Women usually have a caring nature towards others, whether it’s children, parents, or close family." With financial freedom, they can help others without worrying about burdening their family's finances," she explained in a separate message on the same day.

With all this, it is clear that financial independence is an important step for women to achieve freedom, strength, and equality in life. Let's support and celebrate their journey towards better independence!

1. What Are the Indicators of Financially Independent Women?

When asked about the indicators of financial independence for women, Sari emphasized the importance of having her own income, which does not necessarily have to come from formal employment, as long as it is sufficient to meet living needs without relying on others.

In addition, having an emergency fund is crucial to maintain daily cash flow, so that women are not forced to go into debt in times of emergency.

Rista added that financial independence is also related to having clear financial goals, where women must understand their current financial situation and plan steps to achieve their financial dreams in the future.

To achieve this independence, improving financial literacy is key, starting from understanding budgeting, savings, investments, to debt. She also emphasized the importance of seeking jobs with decent income and continually developing oneself through relevant education and skills.

"Don’t hesitate to negotiate a fair salary based on your qualifications," she added. Interacting with other successful women can also be a source of inspiration and support, and finding the right mentor can provide valuable insights on the journey to financial independence.

2. Barriers for Women in Achieving Financial Independence

Rista emphasizes the importance of recording every income and expense to understand cash flow and identify areas of expenditure that can be trimmed.

She reminds us to avoid unnecessary consumer debt and, if trapped in debt, to immediately create a repayment plan by prioritizing high-interest debts.

However, the journey towards financial independence for women is not easy. Sari highlights the double burden often borne by women due to traditional roles that require them to manage households, thus consuming time and opportunities to develop their careers.

In addition, Rista adds that the gender pay gap is a significant barrier, where women often receive lower wages for the same work, impacting their earning potential and ability to save.

Social stereotypes that demand women to marry young and depend on their husbands also limit their financial ambitions. Worse still, women who experience Gender-Based Violence (GBV), including economic violence, often lose control over their finances and become more vulnerable.

Rista asserts that financial dependence makes it difficult for women to leave abusive relationships and fight for their rights, making it essential for women to have their own economic resources to achieve freedom and justice.

3. Can It Be Started Amid the Current Economic Conditions?

In the midst of the existing economic challenges, women now have a golden opportunity to achieve financial independence. Sari emphasizes, "It is very possible!" Thanks to digital access, anyone can work flexibly from home, ranging from freelancers to online businesses and influencers.

Women can easily take advantage of financial and digital literacy programs through their phones, helping them manage personal and family finances better.

The government is also present with various mentoring programs for MSMEs, providing training and financial support. "Although there are challenges, the path to financial freedom for Indonesian women remains wide open," Sari added.

Rista also highlighted the importance of starting this journey with small steps, such as saving regularly or learning to invest. "With careful planning and discipline, women can take real steps towards financial independence," she concluded enthusiastically.

(kpl/rao)