<![CDATA[Micro and small business financing represents a form of support from Sharia financial institutions aimed at enhancing the community's economic capacity by providing access to capital in accordance with Sharia principles. Baitul Maal wat Tamwil (BMT) plays a crucial role in providing financing to micro and small business owners who face limited access to formal financial institutions. This study aims to analyze the implementation and effectiveness of the micro and small business financing program at BMT Bina Insan Sejahtera in Jambi City, as well as to identify the factors influencing the program's effectiveness. The study employs a descriptive method with a qualitative approach. Data were collected through observation and interviews. The findings indicate that all respondents benefited from the existing financing scheme. Furthermore, ten respondents reported an increase in turnover after receiving financing, demonstrating the program's success in fostering business growth. Thus, it can be concluded that the financing program at BMT Bina Insan Sejahtera is effective in empowering micro and small businesses, both in terms of financial management and business growth.]]>
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