In addition to what the always spot-on Dr. Qadgop said, I’ll note that both boys and girls (and men and women) make testosterone-like hormones in their adrenal glands. In fact, it is those ‘adrenal androgens’ that promote the first signs of puberty such as hair in the armpits and in the pubic area.
It’s also worth noting that different people, and different youngsters, have varying degrees of sensitivity to the effect of these hormones. So, for the identical levels of ‘male hormones’, two women can have very different responses. Some will get a bit of a mustache or acne, while for the same hormone level, other women won’t even have a hint of either.
In part, women’s sensitivity to male hormones is genetic (think how common it is to see some dark facial hair on women whose families originally came from a country like Italy or certain Arab states. On the other hand, it’s much less common in women of Scandinavian ancestry). But other factors, such as insulin resistance, obesity, etc., also play a role.