This research is aimed to find out the influence factors of Islamic work ethic toward the performance of the employee at BMT Beringharjo and BMT Bina Ihsanul Fikri (BIF) Yogyakarta. The research is important, because of the development of Syariah financial institutions need the employee who has high Islamic work ethic, therefore, it is needed to find out the factors can influence Islamic work ethic. The research employed descriptive qualitative approach with 15 employees and 10 customers of both BMT as the data sample. The data were collected by questionnaire and interview then the data were described and concluded. The result showed that, there were many factors influenced their Islamic work ethic of both BMT’s. The factors influenced at BMT Beringharjo were; honesty, amanah (mandate) empathy, cleanliness, and quick response. Whereas the main factors influenced at BMT BIF was spiritual soul