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Keywords Article 16 of UU No. 41/2004 a baut Waqf Assets Waqf Hak Kekayaan Intelektual (HKI) Harta Wakaf Housing finance Intellectual Property Rights (IPR) Islamic-banking Murabahah Musharaka Mutanaqisah Musyarakah Mutanaqisah Pasal 16 UU No.41/2004 tentang Wakaf banking product development customers-trust dispute settlement ekonomi syariah non sharia compliance non-sharia compliance pembiayaan perumahan pengembangan produk perbankan penyelesaian sengketa sharia econimics