<![CDATA[This research is a type of field research with a qualitative approach. The research subjects were boarding school caregivers, learning instructors, as well as BSI Jepara Manager Boarding School students and Bank Syariah Indonesia customers. Data collection techniques use interviews, observation and documentation. Testing the validity of the data uses triangulation of sources and techniques. The data analysis uses the Miles and Huberman theory. The research results show that: (1) The application of KPR products at the BSI Jepara branch office, by customers and the Bank in the debt transfer and KPR financing systems is carried out using Murabahah and Musyarakah Mutanaqisah contracts. KPR at BSI is done by the customer first selecting the property they want. Second, the customer prepares the application file, third, reviews the financing submitted by the customer, fourth, prepares an agreement between the customer and BSI, fifth, submits collateral, sixth collects financing or recovers when a customer is stuck in making payments. (2) The public's response to KPR financing at BSI varies. Many customers feel helped by the presence of KPR financing products. The use of contracts in KPR is in accordance with DSN fatwa no. 04/DSN-MUI/IV/2000.]]>
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