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The purpose of this research is to find the best solution in cutting the poverty chain in the human capital development framework based on human capital investment with the opportunity and threat of Internet Inclusion and Financial Inclusion. This study uses a vector error correction model to see the relationship between variables, response, and impulse between variables to provide an overview of the relationship between variables during the study period and forecast future variable trends. We found that technological and financial inclusion P2P Lending can be an opportunity and a threat to developing the Indonesian people's human capital to reduce poverty. Human capital is proven to be effective in reducing poverty. Increasing human capital through human capital investment supported by inclusion technology and financial inclusion can reduce Indonesia's poverty. Financial inclusion can increase entrepreneurial and economic growth.