"fascism is the subordination of the individual to the state through force and coercion."

This seems like an appropriate definition to me. From this defintion you might call the goal of Islamic terrorism:

"the subordination of the individual to religion (Islam) through force and coercion."

add this to the fact that Bin Laden and his ilk make no real distinction between the state and Islam, and you do have something very much like facism, which is why there are so many apparent similarities. However, I think you are right to make the distinctionm between facism and the ideology of jihadis, because facism as I understand it makes the state the religion, whereas Islamic terrorists are attempting to make religion the state. I think it is probably better not to conflate the terms. I think "religious totalitarianism" sums up the philosophy of jihadis more accurately (as someone else suggested in another thread).