Implementation of DSN-MUI Fatwa no. 153/2022 on Early Repayment of Sharia Housing Financing in Indonesia

The development of Sharia-compliant housing finance in Indonesia has positioned murabahah as a widely used contract because of its price transparency, fixed profit margin, and freedom from riba (usury). This study aims to analyze the implementation of DSN-MUI Fatwa No. 153/DSN-MUI/VI/2022 on early repayment of Sharia housing financing, focusing on Sharia compliance, legal certainty, and customer protection. This study employs a qualitative method with a normative-juridical approach, using statutory, conceptual, and case approaches. The data consist of primary, secondary, and tertiary legal materials, including DSN-MUI fatwas, relevant banking regulations, scholarly literature, and previous studies. The findings indicate a gap between the normative framework and institutional practices, particularly in the implementation of early repayment rebates (ibra’ or muqasah), transparency in calculating outstanding obligations, and the consistency of internal banking policies. The reviewed literature reports variations in institutional practices, including cases in which rebates depend on customer requests and others in which early repayment procedures are more accessible. These variations may create legal uncertainty and weaken customer confidence in Sharia housing finance. The study concludes that effective implementation requires clearer and more transparent settlement procedures, stronger Sharia supervision, harmonization of institutional policies with applicable regulations, and improved public literacy regarding murabahah contracts and early repayment mechanisms. These measures are important to strengthen justice, legal certainty, and customer protection in Sharia housing finance in Indonesia.