BEYOND MORTGAGES: ISLAMIC LAW AND THE ETHICS OF CREDIT FINANCING FOR PUBLIC HOUSING

Having a home is essential for everyone, and the government created program called Housing Loan (KPR) to help low-income people own house. The Sharia State Savings Bank (BTN) one of banks that offer this program. This study aims understand how KPR works at BTN KCPS Pekalongan it aligns with Islamic law. type research field research, which outlines describes phenomena regarding situation. In case, kind qualitative. can also be considered sociological because carried out directly in field, data received will evaluated inductively make arguments transaction system principles appropriate legislation. found uses murabahah istishna sale purchase contracts KPR. Murabahah are commonly used, Istishna used product Indent I.B. recommends bank introduce other products public increase awareness