Analyses of the determinants of financial inclusion in Colombia beyond the level of banking access and thus make proposals about public policy. This paper examines the factors that determine financial inclusion in Colombia with the ELCA of university of los Andes 2013 for urban municipalities through a nonlinear regression analysis. To do this, the determinants of access to products of assets and liabilities, and their impact on financial inclusion will be analysed (such as gender, education, income level, formality, age, as well as the concentration of the banking offer). Additionally, I analyse the relationship between financial inclusion and aggregate macroeconomic variables through a principal component analysis from the information provided in the Global Findex.