The existence of Sharia mortgage is initially supported by the success of Islamic Banking and
the Muslims necessary of the existence of mortgage principled with sharia. Nowadays, motivation of
Muslims for transaction is not only influenced by religious motivation, but also on their attitudes and
perceptions, such as relative advantage, location and others. It becomes a question to society in
Banjarmasin, who are predominantly Muslim, whether religious factors or other factors are more dominant
to influence the preferences of clients (attitudes and motivation) in transactions in Shariah mortgage
Kebun Bunga branch office, Banjarmasin.