This study aims to (1) to find out how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) to find out how the development of Islamic microfinance institutions in Jambi city. (3) to find out what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro enterprises in Jambi city. The problems discussed in this thesis are (1) how the role of Islamic microfinance institutions on micro businesses in Jambi city. (2) what influences the role of Islamic microfinance institutions (BMT) on micro businesses. (3) what efforts are made by Islamic microfinance institutions (BMT) to increase their role towards micro business ventures in Jambi city. The research method used is descriptive qualitative. The descriptive method of analysis is obtained through data sourced from observation, interviews, and documentation as well as other sources that support field research by finding data sources directly from the field, namely from the BMT through data collection and interviews with the parties concerned. The results of this study are the Financing mechanism at BMTs in Jambi city, namely BMT Al-Ishlah, BMT KOSSUMA, and BMT. Muslimah Masyitoh tends to be the same, the difference lies only in the tax year of the vehicle financing ceiling, and the length of installments. Financing includes several contracts, namely murabahah, ijarah, ar-Rahn, mudharabah, musyarakah and qordhul hasan. Analysis before channeling financing at BMT for prospective financing members includes: Character, Capital, Capacity, Condition, and Coleterol. The importance of Islamic microfinance by BMTs in Jambi city in empowering MSMEs is evidenced by the main target of BMT financing is small business actors who are not reached by banks. Simple procedures and applied financing are needed by Jambi city MSMEs in developing their businesses. The constraints of the Jambi city BMT cooperative in carrying out its business, namely financing in the context of empowering MSEs, include internal constraints and external constraints.

Cooperatives are a people's economic movement whose all activities are based on the family principle. Governance is a structure and process in determining the direction and supervision of the company. This thesis aims to determine the governance of the Makmur Rezeki Village Unit Cooperative in its efforts to improve the welfare of oil palm smallholders, and the obstacles faced by the Makmur Rezeki Village Unit Cooperative. This research is a qualitative research, collecting data by means of interviews, observation and documentation. Informants in this study were administrators, employees and members of KUD Makmur Rezeki. Based on the results of the study it can be concluded: The Makmur Rezeki Village Unit Cooperative has made good efforts in maximizing the governance of implementation transparancy, akuntability, responsibility, indepedency, and fairness by providing good service, developing cooperatives, placing employees according to their portions, disclosing information and providing training to members. KUD Makmur Rezeki's efforts to improve the welfare of its members by buying oil palm fruit at relatively high prices, providing agricultural medicines, providing production facilities and providing a savings and loan business. The Makmur Rezeki Village Unit Cooperative has constraints in improving the welfare of cooperative members who come from within and outside the cooperative itself. KUD Makmur Rezeki should try to maximize governance by holding training and coaching for members and administrators of the Makmur Rezeki Village Cooperative Unit, holding outreach to members so they understand more about cooperatives.