Abstract
This study examines the implementation challenges of sharia contracts in family takaful insurance from the perspective of sharia economic law. Unlike previous studies that primarily emphasize the normative validity of sharia contracts, this research focuses on the practical issues arising in their implementation. A normative legal approach was employed using conceptual and statutory analyses based on primary legal materials, including DSN-MUI Fatwa No. 21/DSN-MUI/X/2001 on General Guidelines for Sharia Insurance, Law No. 40 of 2014 on Insurance, and relevant Financial Services Authority (OJK) regulations, supported by secondary and tertiary legal materials. The findings reveal that although tabarru', wakālah, and mudhārabah contracts are normatively consistent with sharia principles, their implementation continues to face practical obstacles, particularly unclear fund segregation, complex multi-contract structures, limited transparency, and a shift from the principle of ta'āwun toward profit-oriented practices. These conditions may create elements of gharar and weaken the substantive values of sharia. The findings imply the need for stronger regulatory oversight, improved governance by takaful operators, and more effective supervision by Sharia Supervisory Boards to strengthen sharia compliance and ensure the consistent implementation of sharia economic law.