SUMMARY
A Moeslem must be obidient with the law contained in the Qur’an and Hadith, including within the law of muamalah or in the other words using financial service. Fatwa MUI No. 1 tahun 2004 was already explained that interest in conventional financial institution these day were considered haram because it has the same practice as riba nasi’ah and we can’t use conventional financial institution if we had a sharia financial institution near our home that we reach easily. Intention to use sharia banking were closely related to religiosity and knowledge about sharia banking, also reference group because sharia banking havent’do much about doing commercial in any form of media. The method used in this study is multiple linear regression analyst, t test, F test at level of significant 5% and performed with SPSS 21. The result of this study showed that Reliogisity, Reference Group, and Knowledge About Sharia Banking has positive effect on consumer intention to use sharia banking partially. Also Reliogisity, Reference Group, and Knowledge About Sharia Banking has positive effect on consumer intention to use sharia banking simultaneously.