T This study aims to analyze the implementation of the murabahah contract in home ownership financing (kpr) at bank syariah nasional kc jakarta harmoni and to determine its compliance with sharia principles and dsn-mui fatwa number 04/dsn-mui/iv/2000. this study employed a descriptive qualitative method with data collected through interviews, observations, and documentation. the results show that the implementation of the murabahah contract has been carried out in accordance with established procedures, including financing application, document verification, feasibility analysis, collateral appraisal, determination of the purchase price and profit margin, and contract execution. the bank also applies the principle of transparency by providing complete information regarding the financing terms and ensuring the legal status of the financed property. furthermore, the implementation of the murabahah contract generally complies with sharia principles and dsn-mui fatwa number 04/dsn-mui/iv/2000 by fulfilling the principles of transparency, honesty, clarity of the financing object, and avoiding riba, gharar, and maysir. however, some customers still do not fully understand the difference between the murabahah profit margin and interest in conventional banking. therefore, greater customer education on sharia financing is needed.