Brief Answer:
It could be early diabetic nephropathy means early kidney disease.

Detailed Answer:
Hi,
Welcome to the 'Ask A Doctor service'.
I have reviewed your query and here is my advise.

Your high microalbumin to creatinine ratio could be due to early diabetic nephropathy.

To prevent kidney damage in future you need to control diabetes through medication.
Loose weight if you are obese.
Regular exercise also advisable.

It's advisable to investigate further with serum urea, creatinine estimation and egfr estimation also.
You can revert back with reports once done.

Hope I have answered your question.

Let me know if I can assist you further.

Regards.

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