BMT Bina Ihsanul Fikri is one of syariah micro finance institutions that provide financing for farming business. Significant developments of BMT do not make the financing deals for agriculture increased. This is because the access of farmers to do financing in BMT has not been open, so the decision to do financing deals is still low. This study aims to describe the accessibility, the decision making process of the farmers and also to know the correlation between accessibility and the process of decision-making in utilize financing in BMT Bina Ihsanul Fikri. The primary data was collected by interviewed 37 farmer customers who have done financing. This study used description and Spearman Rank as the method to analyze the data.The finding reveals that the accessibility of the farmer customers toward the financing in BMT is good. Decision-making process conducted by customers is including as poor category. Accessibility and overall decision-making is very weak, but access to information and procedure relates weakly but sure and positive by doing decision-making after making a comparison. This means that the better access to information and procedures owned by the farmer customers, then decision making will be taken after making that comparison. Access time of disbursement and access to mentoring have a weak but definite and negative correlation with decision making after make comparisons. If the better access time of disbursement and assistance, the farmer costumer will make the decision without comparisons.