The research aimed at finding out how the influence of personal factors on customer decision making on murabahah financing products in BMT UMY. The personal factors consisted of need, income, knowledge, and perception. This research uses descriptive method, with quantitative approach that has a population of all murabahah financing customers in BMT UMY amounted to 397 customers. The number of samples determined by researchers is 80 respondents, with sampling technique using random sampling method. The data used is primary data with data collection techniques that is questionnaire. To test the validity of the data, the researcher uses several test techniques, namely validas test by looking at the convergent validity of loading factor value and reliability test using composite reliability.The data analysis used SmartPLS 3. The result of the research showed that there were two variables of personal factors that had positive and significant influence. i.e need and knowledge, and the other two variables that did not have significant influence, i.e income and perception, towards the decision making of murabahah financing product in BMT UMY. The variable that dominantly influenced the customers’ decision towards murabahah financing product in BMT UMY was need.