This research aims to analyze factors that influence decision making of Muslim community for not to do financing in Islamic Bank. It uses Muslim traders in Purwokerto Market as subject and religiousity, perception, location, and promotion as variables. This type of research is quantitative descriptive research using primary data and provides 100 respondents were selected by using random sampling method. Analysis tool that is used to process the data is multiple linear regressions using SPSS. Based on the research that has been conducted on two independent variables; religiousity and promotion, they have significant influence towards Muslim community decision for doing the financing in Islamic banks. While perception and location do not influence or affect the decision of Muslim community for not do financing in Islamic banks.