Abstrak
his research is motivated by the low growth rate of microfinance in Islamic banks in the Tanah Datar Regency area. This is evidenced by data published by OJK from 2019 to 2022 and reinforced by BSI's internal data in the first quarter to the third quarter of 2022 which confirms that the lowest microfinance growth is located in Tanah Datar Regency / Batusangkar. The quantitative method was used in this study using a sample of 143 MSME practitioner who have not used Islamic bank financing products in Tanah Datar Regency. The data were collected using a questionnaire and analyzed using statistical software, namely smart-PLS 3.0 to see the effect of religiosity, cultural beliefs and margin levels on the decisions of MSME practitioner in using Islamic bank financing products in Tanah Datar Regency. The results of the study prove that the decision of MSME practitioner in Tanah Datar Regency to use financing products in Islamic banks is influenced by the variables of religiosity, cultural belief and margin level positively and significantly. This shows that religiosity, cultural belief and margin rates are crucial points for Islamic banks that will influence the community of MSME practitioner to switch to using Islamic banking