Abstrak
<p align="center"><em>In an effort to promote equitable and sustainable economic growth, the government through Bank Indonesia, including sharia banking has launched an financial inclusion policy, particularly for small and medium enterprises in the real sector. There are two strategic sectors that contribute positively to the acceleration of Indonesia's economic growth, namely the agricultural sector and Small and Medium Enterprises (UKM). However, these two business sectors are still weak in the productivity of human resources, capital, and competitiveness. This study aims to examine the relationship and financial inclusion contribution to the human capital formation in the real sector. The research method used a survey to 200 respondents in five districts/cities in Cirebon region, and analyzed using statistics. The results concluded: (1) There is a relationship between financial inclusion with human capital formation; (2) Financial inclusion contributes positively to the human capital formation of UKM in the real sector. The implication is that financial inclusion policies can support national economic growth through increasing human capital productivity and helping to expand the activities of small and medium enterprises in the real sector as well as employment in Indonesia.</em></p>