This study aims to determine emotional factors, individual motivation, social influences on the interest of employees of the University of Muhammadiyah Yogyakarta in choosing murabahah financing for Islamic microfinance (BMT UMY) and knowing the emotional, individual, social motivation of murabahah financing in BMT UMY. This type of research is quantitative research with the object of research BMT UMY. Data were collected through questionnaires distributed to Muhammadiyah University of Yogyakarta employees (customers) who used murabahah financing products in Islamic microfinance (BMT UMY). Respondents who were included in this study were 80 respondents categorized as customers of Muhammadiyah University of Yogyakarta who were still actively paying in murabahah financing on Islamic microfinance (BMT UMY). The analytical tool used is SmartPLS 3.0 software. The results of this study indicate a significant positive influence between emotional and individual motivation on interest in murabahah financing. This is due to emotional factors and individual motivation, one of the important parts driving the Muhammadiyah University of Yogyakarta employees in choosing murabahah financing for Islamic microfinance (BMT UMY). Interest in individuals and emotions tends to make customers move and act to achieve all their needs. While social does not have a significant positive effect on customer interest. This is because social does not mean the main driver of someone doing something.