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The purpose of this study was to find out the reasons for Micro Small Medium Entrepreneur (MSME) in making decisions to become sharia bank customers. Factors suspected of influencing decision making are religions, religiosity, and location of Islamic banks. The method used is quantitative which is limited by research questions (1) How is the relationship of religion to being a customer of Islamic banks (2) How is the relationship of religiosity by being a customer of Islamic banks (3) How is the location of being a customer of Islamic banks. Based on the results of the study, religion, religiosity, and location have a positive and significant influence on the decision to become Islamic bank customers. Whereas location has a negative and not significant influence. This shows that the higher the religion and religiosity of MSME entrepreneurs, then they will tend to make Islamic banks as their financial transactions. In contrast to the location, the farther away from the location of the Islamic bank from the place of residence or place of business, then they tend not to use the Islamic bank.

The Determinants of Micro, Small and Medium Enterpreneur (MSME) Become Customer of Islamic Banks (Religion, Religiousity and Location of Islamic Banks)