This research aimed at learning the reasons why the employees of Muhammadiyah Yogyakarta University have not yet become the customers of sharia banks. This is a qualitative research. The location of the research was in Muhammadiyah Yogyakarta University and the subjects were the employees of Muhammadiyah Yogyakarta University who had not yet become customers of Sharia Banks, Biro SDMMuhammadiyah Yogyakarta University as informant, The Vice Rector of Finance and Asset as informant, informants from LPPI Muhammadiyah Yogyakarta University and sharia experts. The data collecting techniques were interview and documentation. The data validity was tested using triangulation with sharia experts. The research result indicated that there were four factors that became the reasons why Muhammadiyah Yogyakarta University employees had not yet become the customers of Sharia Banks; the service factor, the factor off doubts that Sharia Bank are in accordance with Sharia principles, and the location factor.