T The purpose of this study was to find out the application of the Istishna’ contract in the financing of the KPR Indensya at Bank BTN Syariah Jakarta Harmoni Branch Office and to find out the financing mechanism of the KPR Indensya at Bank BTN Jakarta Harmoni Syariah Branch Office with the implementation of the Istishna‟ contract on its financing. The research methodology used is descriptive research method to describe the data obtained in the field. The results of this study indicate that financing KPR Indensya at Bank BTN Jakarta Syariah Branch Office Harmoni using Istishna’ contract is intended for individual applicants who will buy a house from the Bank, which is built by a housing developer (developer) according to customer orders and mortgage financing mechanism KPR Indensya at Bank BTN Syariah Jakarta Harmoni Branch Office: filing, checking Ideb and Dukcapil, interviewing, inputting customer e-loans, analyzing and verifying banks, issuing SP3, preparing contracts, and disbursing.