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This study examines the implementation of the marketing strategy for Sharia KPR Bank Muamalat Stabat Branch and the challenges it faces. In this study, primary and secondary data from interviews, observations, and documentation were used in descriptive analysis techniques. The results of the study show that Bank Muamalat disseminates information through various mass media, both print (daily newspapers and magazines) and electronic (radio and television). Billboards, a type of outdoor advertising used by Bank Muamalat, are seen as a good tool to promote outreach.

From the standpoint of Islamic Economic Law, this article seeks to describe and examine the syndicated financing of Islamic Banks in Indonesia. With the kind of library research used to examine the formulation of the problem in this study, a qualitative research methodology was used to conduct this study. The findings of this study suggest that a hybrid contract or multi-contract approach can be used to implement Islamic banking product innovation. Sharia syndicated finance products exist in banking as a result of the requirement for huge quantities of funding, which means that Islamic banks must work with other banks since they will not be able to support it alone. In accordance with the Fatwa DSN No: 91/DSN-MUI/IV/2014, syndicate financing is permitted. Musyarakah Mutanaqishah contracts are typically used for syndicated financing in Islamic banks. The Sharia Banking Law, KHES, Fatwa DSN, and other relevant rules have both been accommodated by syndicated financing in Islamic banks. The Sharia Supervisory Board will continue to oversee the implementation of syndicated financing products at Indonesian Islamic Banks so that it is, in theory, consistent with Sharia Economic Law and no restrictions are broken.