Analisa Penerapan Akad Istiṣnā' Pada KPR Syariah Al Madani Village Karanganyar

Home Financing Loans is an activity where an instution provides convience to consumers who wish to have a home without having to pay in cash, but by installments. Over time, emerged a contract program with the sharia system as cunducted by KPR Syariah Al Madani Village Karanganyar. Consumers order a house by making a down payment of 30% where the money is used to build a house. After payment is made both parties commit Istiṣnā contract. After the contract is done, the makers begin to make the process of making the house order and the consumer began to pay home installments. The formulation of the problem in this research is how the concept of Istiṣnā implementation of the contract on KPR Syariah Al Madani Village and wheter Istiṣnā contract applied is in accordance with the National Sharia Board Fatwa or not. This encourages researchers to examine in depth the “Istiṣnā contract Appraisal Analysis” on KPR Syariah Al Madani Village Karanganyar”. The purpose of this study is to know the concept of Istiṣnā application of contracts on this Syariah KPR and Istiṣnā contract confermance with the Fatwa DSN-MUI No. 06 of 2000 on Istiṣnā contract. The type of research used is field research with the qualitative descriptive approach. The method used in data collection is an interview and documentation. The analysis used is a deductive method. The result of this research can be conclude that KPR Syariah Al Madani Village has implemented Istiṣnā contract which is in accordance with the Fatwa of National Sharia Council of Indonesian Council of Ulama No. 06/ DSN-MUI/IV/2000 which explains Istiṣnā contract