The purpose of this study was to examine the effect of the influence of financial literacy, financial technology, demographics and social capital on financial inclusion in Islamic banks in Cilacap Regency. The sample selection in this study used purposive sampling. Based on the criteria, there were 145 respondents who became the sample. The data analysis technique used in this research is descriptive statistical analysis, data instrument test, classical assumption test, multiple linear regression analysis. The results of the analysis show that (1) financial literacy has a positive effect on financial inclusion. (2) financial technology has no effect on financial inclusion. (3) income has no effect on financial inclusion. (4) education has no effect on financial inclusion. (5) gender has no effect on financial inclusion. (6) age has no effect on financial inclusion. (7) social capital has no effect on financial inclusion.