This study aims to analyze the factors influencing the people’s interest to access the Sharia Microfinance Institutions and Conventional Microfinance Institutions. Thus, this study examines the factors of location, promotion, service, and trust with a case study on sellers in Pasar Wates Kulon Progo. This type of research is field research using descriptive quantitative approach, which is done through direct observation by using data collected in the form of questionnaire given to 100 respondents. While the data analysis used in this research is descriptive analysis, validity and reliability test, classic assumption test, multiple linear regression analysis, and hypothesis test (t test and f test). The results of this study indicate that partially, the location factor has no significant effect in determining the interest of the people to access BMT and KSP. While the promotion factor has a significant influence in determining the interest of the people to access BMT and KSP. The service factors has no significant influence in determining the interest of the community to access BMT. However, service factor has a significant influence in determining the interest of the people to access KSP. Furthemore, the trust factor influences significantly in determining the people’s interest to access BMT. However, the trust factor has no significant effect in determining the people’s interest to access KSP. While, based on simultaneous test, shown that location, promotion, service and trust factors together have significant influence in determining people’s interest to access BMT and KSP.