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Sharia financing services for Small and Medium Enterprises (SMEs) have experienced positive developments. Some factors that make SMEs increasingly interested in sharia financing schemes are fair profit-sharing schemes and conformity with Islamic law. However, other factors that affect customer satisfaction and loyalty such as service quality should not be ignored. This study aims to examine the influence of conformity with Islamic Sharia, service quality, and perceptions of a more equitable financing scheme on customer satisfaction and loyalty both directly and indirectly. This study involved 114 SMEs in Bogor regency who were using sharia financing services. This research uses path analysis to study the influence of each variable on satisfaction and loyalty. The results showed that service quality and a more equitable perception of the scheme had a significant influence on customer satisfaction and loyalty. While the perception of conformity to Sharia does not have a significant influence on customer satisfaction and loyalty. The results imply that even though conformity with Islamic sharia may deliver advantages in winning the Muslim entrepreneur segment; the financial services providers should not ignore the service quality and fair financing factors.