SHARIA COMPLIANCE MODEL OF THE ISTISHNA CONTRACT IN SHARIA HOUSING DEVELOPMENT: A CONCEPTUAL REVIEW OF ISLAMIC ECONOMIC LAW

Authors

  • Dahlia Firdausi Cakra Jaya Properti

DOI:

https://doi.org/10.30651/justeko.v10i1.30381

Keywords:

Sharia compliance, istishna contract, Sharia housing, consumer protection

Abstract

The istishna contract is widely used in the development of Sharia housing in Indonesia. However, its implementation may create Sharia compliance problems when it is not supported by an adequate understanding of fiqh muamalah principles and positive legal regulations. This article aims to formulate a conceptual sharia compliance model for istishna contracts as an effort to strengthen consumer protection in sharia housing development. This study uses normative legal research with conceptual and statutory approaches. The legal materials include DSN-MUI fatwas, relevant laws and regulations, and literature on Islamic economic law. The results show that sharia compliance in istishna contracts must be established through fulfillment of the pillars and requirements of the contract, clarity of object specifications, transparency of price and delivery time, proportional risk allocation, and systematic sharia supervision. The proposed model is arranged into four stages, namely pre-contract, contract formation, implementation, and post-handover. The model is expected to serve as a normative basis for developing fair, transparent, and sharia-compliant istishna practices in sharia housing.

References

[1] Antonio, Muhammad Syafi'i, 2019, Bank Syariah: Dari Teori ke Praktik, Gema Insani, Jakarta.

[2] Zuhaili, Wahbah al-, 2011, Fiqh al-Islami wa Adillatuhu, Vol. 5, Dar al-Fikr, Damascus.

[3] Fauzan, Ahmad, 2021, Analisis Kepatuhan Syariah dalam Pembiayaan Istishna pada Sektor Properti Syariah, Jurnal Hukum Ekonomi Syariah, Vol. 5, No. 2, 145-160.

[4] Paramansyah, A., Abdillah, I., and Damayanthi, D., 2021, Implementasi Akad Ba'i Istishna dan Ba'i Taqsith pada Pembiayaan Kepemilikan Rumah Non-Bank di Perumahan Islami Indonesia, Al-Kharaj: Jurnal Ekonomi, Keuangan dan Bisnis Syariah, Vol. 3, No. 1.

[5] Iswandi, 2022, Implementasi Akad Istishna pada Jual Beli Rumah Perspektif Fatwa DSN-MUI No. 06/DSN-MUI/IV/2000, Jurnal Penelitian Multidisiplin Ilmu, Vol. 1, No. 4.

[6] Kompas.com, 2022, Kasus Perumahan Syariah Bermasalah, Konsumen Mengaku Dirugikan, 12 Juli 2022.

[7] Putri, Dwi, et al., 2024, Analisis Transaksi Akad Istishna pada Developer Perumahan Syariah Ahsana Property Syariah Tuban.

[8] Zainuddin, Muhammad, 2023, Transparansi dan Keadilan dalam Akad Pembiayaan Syariah: Pendekatan Maqashid al-Syariah, Jurnal Hukum Islam, Vol. 23, No. 2, 195-197.

[9] Marzuki, Peter Mahmud, 2017, Penelitian Hukum, Kencana, Jakarta.

[10] Dewan Syariah Nasional Majelis Ulama Indonesia, 2000, Fatwa Nomor 06/DSN-MUI/IV/2000 tentang Akad Istishna, DSN-MUI, Jakarta.

[11] Ascarya, 2020, Akad dan Produk Bank Syariah: Konsep dan Praktik di Indonesia, Rajawali Pers, Jakarta.

[12] Djamil, Fathurrahman, 2015, Hukum Ekonomi Islam: Sejarah, Teori, dan Konsep, Sinar Grafika, Jakarta.

[13] Djayusman, R.R., 2025, Analisis Risiko Akad Syariah pada Pembiayaan KPR, Jurnal Muamalat Indonesia.

[14] Pratiwi, W., Muslihati, dan Ruqayyah, A., 2024, Implementasi Akad Istishna dalam Kredit Pemilikan Rumah (KPR) Syariah, Jurnal Ekonomi dan Keuangan Syariah, Vol. 4, No. 4.

[15] Auda, Jasser, 2008, Maqasid al-Shariah as Philosophy of Islamic Law: A Systems Approach, The International Institute of Islamic Thought, London.

[16] Undang-Undang Nomor 8 Tahun 1999 tentang Perlindungan Konsumen.

[17] Undang-Undang Nomor 1 Tahun 2011 tentang Perumahan dan Kawasan Permukiman.

[18] Taufik, Azhar, Febriani, Dina, Supyadillah, Asep, and Sulistia, Hesty Ade, 2026, Implementasi Akad Istishna Produk Pembiayaan KPR Syariah Pada Bank Syariah Nasional Tinjauan Fatwa DSN-MUI No. 06/DSN-MUI/IV/2000, Jurnal Ilmiah Ekonomi Islam, Vol. 12, No. 2, 263-274.

[19] Komarudin, M., 2025, The Application of Istisna' Contract in Islamic Micro Finance Investment Financing, International Indonesian Journal of Sharia Economics.

[20] Hendriansyah, Bio Tirta, 2021, Analisis Kontrak Jual Beli Rumah dengan Akad Istishna pada Developer Perumahan Syariah, Skripsi, UIN Syarif Hidayatullah Jakarta, Jakarta.

[21] Warsidi, Khan, S. U., and Suhartono, 2025, Implementasi Maqāṣid Al-Syarī‘ah dalam Pertimbangan Hakim pada Sengketa Ekonomi Syariah, Maqasid: Jurnal Studi Hukum Islam, Vol. 14, No. 3, DOI: 10.30651/mqsd.v14i3.28691.

[22] Warsidi, Suhartono, and Swadjaja, I., 2025, Tinjauan Hukum Islam terhadap Interseksi Hak Tanggungan Atas Tanah dan Hukum Perwakafan, Jurnal Masharif Al-Syariah: Jurnal Ekonomi dan Perbankan Syariah, Vol. 10, No. 2, DOI: 10.30651/jms.v10i2.27386.

Downloads

Published

2026-06-20

How to Cite

Firdausi, D. (2026). SHARIA COMPLIANCE MODEL OF THE ISTISHNA CONTRACT IN SHARIA HOUSING DEVELOPMENT: A CONCEPTUAL REVIEW OF ISLAMIC ECONOMIC LAW. Journal Justisia Ekonomika: Master of Sharia Economic Law, 10(1), 1723–1737. https://doi.org/10.30651/justeko.v10i1.30381

Issue

Vol. 10 No. 1 (2026): Juni

Section

Artikel

License

HAK CIPTA 

Penulis yang mengirimkan artikel dalam jurnal Justisia Ekonomika harus memahami dan menyetujui persyaratan tentang hak cipta jurnal Justisia Ekonomika sebagai berikut:

1. Hak Cipta tulisan / artikel yang diterbitkan di jurnal Justisia Ekonomika otomatis menjadi hak pengelola jurnal atau publisher

2. Meskipun Hak Cipta atas tulisan yang telah diterbitkan di jurnal Justisia Ekonomika adalah menjadi haknya publisher, tetapi penulis masih mempunyai hak untuk : a). Penulis boleh meng-upload di repository kampus, b). Penulis boleh meng-upload di webnya sendiri, c). Penulis boleh meng-upload di google schoolar, orchid dan sinta

 

LISENSI

Lisensi atas tulisan / artikel yang diterbitkan di jurnal Justisia Ekonomika adalah menggunakan Creative Commons dengan atribusi CC-BY-NC 4.0