Microfinance as an effective tool provides financial service for those who do not have the access or could not be accessed by a commercial bank or other financial institution. The Growth of Baitul Maal wa tamwil (BMT) as one of the Islamic financial institution is very fast and massive. There are many challenges and obstacles that inhibit the growth of it, either from internal or external of BMT. The purpose of this study is to identify the issues faced by the urban of BMT (Bogor City), used Analytic Network Process (ANP). The study also attempt to provide solution of the BMT problem faced. The result of this study showed that the problem of internal Issues was more dominant than External Issues, with the priority level of 54%. Based on the Internal Problems aspect, the dominant issue was the problem of “Low Quality and understanding of Human Resource”. Meanwhile an aspect of the external problem is “the strictness of Business Competition”. Furthermore, the solution could be implemented are 1) Training for Human Recourse 2) BMT Mentoring by the relevant government.