The relation of gender in financial inclusion has been widely explore in recent times. There are several cross-country studies about this topic, but only few that study within-country condition and addressed this issue in a comprehensive context. In this study, we use household-level data from Indonesian women micro entrepreneur with questionnaire, and examine whether gender matters for financial inclusion and what are the possible factors that constrain the financial inclusion. Women micro entrepreneur has been chosen for several factors, high impact of micro-entrepreneur to the nation economic growth make this topic important to study. Also, one of the target of financial inclusion activities that classified by Indonesian Bank is women, more study about women and finance to capture the interface is the necessary. Our analysis will highlight more about factor-factor that may be a constrain for women financial inclusion especially on micro business owner. Stressing in socio-economic factor for financial inclusion with controlling some business characteristic. Sampling on 1492 women micro entrepreneur from 13 provinces in Indonesia, shows that not all socio-economics factors affect the knowledge and the use of formal and informal financial services.