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Authors understand and agree that copyright of manuscripts published are held by Al-Muzara'ah.This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.Īuthor(s) who published in this journal agree to following terms: In general, based on various indicators, the performance of BMT in Central Java is better than those in East Java and West Java In the short term, improvements can be made by optimizing the role of the Association of BMT and BMT Agencies. The findings also show that fundamental reform of governance is highly required, especially with respect to regulation and supervision of the BMT industry. Survey on major variables such as asset volume and BMT financial performance shows very high variation. Therefore, this study attempts to survey the condition and potential of BMT in three provinces in Java, namely West Java, Central Java and East Java. On the other hand, weaknesses of BMT industry, such as the availability of information about the profile and performance of BMT, need to be enhanced by conducting surveys in the area that become the centers of BMT operation. The limitations faced by Islamic Bank in terms of range, scope, service network and low competency of human resources serving micro and small enterprises have made linkage and partnership with Islamic microfinance institutions such as BMT become very important.