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This study aims to determine the development of the Salam contract, identify the factors that lead to less optimal application of the Salam contract on Islamic Banking, and later the best solution for the Islamic banking industry can be found in developing its Salam contract. This research applies a descriptive and exploratory approach.The object of this research is Bank Pembiayaan Rakyat Syariah Harta Insan Karimah and Bank Negara Indonesia Syariah. The subjects of the study consisted of three groups: 6 experts, 2 bankers and 9 farmers. The development of Salam contract financing is currently not going well. There are several factors that cause the maximum lack of Salam contract application. In total there are 14 factors, but there are 5 factors that dominate. Education, socialization and innovation are considered capable of being a solution as an initial step in the introduction of the Salam contract to the community.

The Factors That are the Reasons of Less Maximum Application of Salam Contract in Sharia Banking (Case Study of BPRS Harta Insan Karimah and Bank Negara Indonesia Syariah)