Nomico
Vol. 3 No. 5 (2026): Nomico-June

Fiqh Muamalah and Sharia Marketing Strategy: Value Integration for Optimizing Emotional and Commercial Markets Islamic Banking in Indonesian

Tentiyo Suharto (Department of Islamic Economics, Faculty of Islamic Economic and Business, Universitas Islam Negeri Sumatera Utara)
Sukiman Sukiman (Universitas Islam Negeri Sumatera Utara)
Maryam Batubara (Universitas Islam Negeri Sumatera Utara)



Article Info

Publish Date
24 Jun 2026

Abstract

This study aims to analyze problems and formulate a sharia marketing strategy for Islamic banking in Indonesia, integrating the emotional (religious-spiritual) and commercial (rational-economic) markets based on the perspective of maqasid al-sharia. The background of the study indicates that although the Islamic banking industry has experienced significant growth, its market share remains relatively low due to the suboptimal integration of sharia compliance, modern marketing values, and digital transformation. This study uses a mixed methods approach supported by the Analytic Network Process (ANP) to determine the most relevant and beneficial marketing strategy priorities. The results indicate that an effective sharia marketing strategy must combine the emotional dimensions of trust, blessings, and sharia compliance with the commercial dimensions of efficiency, service quality, product innovation, and competitiveness. The main findings revealed that digital marketing and social media optimization are the highest priority strategies, followed by partnerships in the commercial market segment, utilization of sharia fintech, optimization of contracts in sharia banking fiqh, partnerships in the emotional market segment, and community-based or people-based marketing programs. This integration of emotional and commercial markets confirms that Sharia marketing is not simply a business instrument, but rather a muamalah practice oriented toward the realization of the maqasid al-Shariah, specifically the protection of religion (hifz al-din) and the protection of property (hifz al-mal). Therefore, marketing activities are not exploitative, but rather promote public or customer trust, financial inclusion, and the ethical and competitive sustainability of Sharia banking.

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Journal Info

Abbrev

NJ

Publisher

Subject

Economics, Econometrics & Finance

Description

The journal publishes original articles on current issues and trends occurring internationally in accounting, financial accounting, public sector accounting, auditing, economics, economics education, development economics, economic statistics, monetary economics, international economics, ...