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TitlePub. DateDuration
Islam’s Hardest Money Questions: Riba, Mortgages, Inheritance & AI | Mufti Faraz Adam | Ep 6721 Sep 202601:45:51

Is modern interest really the same as riba? Do women actually inherit less than men in Islam? Does the famous mortgage fatwa still apply today? What do you truly own when you buy shares? And could AI ever replace a qualified Mufti?Mufti Faraz cuts through the slogans and explores the principles, context and uncomfortable details behind the rulings Muslims often repeat without questioning.🎓 LEARN ISLAMIC FINANCE WITH MUFTI FARAZ ADAMThe first cohort is limited to 50 people.Register your interest:https://funny-begin-011030--replace-component-footer-riicyelk7.framer.app/learn

Timestamps

00:00 – Teaser: Inheritance, Riba, Mortgages and Political Zakat
01:04 – Sponsor: Kestrl – The Muslim Money App
01:36 – AI, Islam and the Biggest Questions in Islamic Finance
02:16 – Welcome to Muslim Money Talk
03:03 – Introducing Mufti Faraz Adam
06:55 – Is AI Good or Bad for Islam?
09:18 – Can AI Make Islamic Knowledge More Accessible?
11:31 – Did Muslims Really Ban the Printing Press?
14:40 – Does the Muslim World Need Its Own AI Models?
18:03 – When AI Gets Islamic Home Finance Wrong
20:05 – Could AI Ever Replace a Scholar?
27:03 – We Ask ChatGPT if It Can Become a Mufti
29:05 – Why an AI-Generated Fatwa Is Not a Fatwa
32:31 – The Biggest Islamic Finance Questions from Muslims
33:02 – Is Modern Interest the Same as Quranic Riba?
34:19 – The Three Forms of Riba in Pre-Islamic Arabia
36:55 – Why Islam Prohibits Earning Money Through Time
41:22 – Why the Arguments for Interest Sound Convincing
44:20 – Islamic Mortgages and the “Two Contracts” Criticism
45:58 – Is a Small Amount of Interest Still Riba?
50:43 – Idealism vs Pragmatism in Islamic Finance
57:13 – Do Women Really Inherit Less Than Men?
59:10 – The Cases Where Women Inherit More Than Men
01:05:25 – Could a Fully Sharia-Compliant Economy Ever Exist?
01:08:00 – Can Zakat Be Used for Political Campaigning?
01:16:50 – Who Actually Qualifies to Receive Zakat?
01:20:10 – Are Halal Stock-Screening Rules Arbitrary?
01:21:02 – What Do You Actually Own When Buying Shares?
01:23:06 – Where the 5%, 30% and 33% Rules Came From
01:28:20 – Should Halal Stock-Screening Rules Change?
01:29:16 – Is the Famous Mortgage Fatwa Now Outdated?
01:34:32 – Introducing the Kestrl Learn Islamic Finance Course
01:36:51 – The Future of Kestrl and Islamic Finance
01:39:09 – What the UK Can Learn from Islamic-Finance Unicorns
01:41:09 – Web3, Crypto and the Future of Muslim Money
01:43:33 – Final Message: Muslims Must Build Systems
01:45:06 – Outro

📱 THIS EPISODE IS BROUGHT TO YOU BY KESTRLKestrl is the Muslim money app helping you spend, save and grow your wealth without compromising your values.Order your watermelon-themed debit card, earn Sharia-compliant rewards and screen your spending against the causes that matter to you.Download Kestrl on the App Store or Google Play:https://kestrl.io/In this episode:• Is interest actually riba?• Why Islamic rulings require more than simple definitions• Whether women really receive less inheritance• The mortgage fatwa Muslims are still using decades later• What shareholders truly own when buying stocks• Whether halal-investing thresholds need to change• Why AI-generated answers cannot replace qualified scholarship• The future of Islamic finance educationTimestamps coming soon.#IslamicFinance #Riba #HalalInvesting #MuslimMoneyTalk #MuftiFarazAdam #HalalFinance #IslamicBanking #MuslimFinance #IslamAndMoney #InterestInIslam #HalalMortgage #IslamicMortgage #InheritanceInIslam #IslamicInheritance #WomenInIslam #MuslimInvesting #StocksInIslam #ShariahCompliant #ShariahFinance #EthicalInvesting #AIFatwa #AIAndIslam #IslamicScholar #Fatwa #PersonalFinance #Zakat #Waqf #Takaful #MuslimPodcast #Kestrl

Mosques Are Richer Than You Think: The Lost Power of Waqf | Maulana Tahir Talati Ep 6614 Sep 202601:29:07

In this episode of Muslim Money Talk, Areeb Siddiqui sits down with Moulana Tahir Talati (Islamic scholar, finance professional, and co-founder of National Waqf) to explore one of the most powerful yet forgotten concepts in Islamic finance: the Waqf (charitable endowment).📱 This episode is brought to you by Kestrl — the app helping Muslims spend, save, and grow their wealth without compromise. Order your watermelon-themed debit card, earn Sharia-compliant rewards, and screen your spending against your values. Download on the App Store or Google Play. https://kestrl.io/Timestamps00:00 – Teaser: Why Do Mosques with Millions Still Fundraise for Bills?01:20 – Sponsor: Kestrl – The Muslim Money App01:56 – Welcome & Introducing Molana Taher Talati03:14 – Molana Taher’s Journey: Combining Traditional Alimiyyah & Finance04:59 – The Problem with Modern Charity & How National Waqf Was Born07:34 – What is a Waqf? Linguistic & Legal Definition09:14 – Asset-Based vs. Usufruct Waqf: How Endowments Actually Work10:40 – Moving from One-Off Donations to Sustainable, Perpetual Giving13:08 – The Prophetic Vision: Hadith of Umar (RA) & Historical Origins16:00 – The Waqf of the Sahabah & The 1,400-Year Legacy of the Well of Uthman (RA)19:18 – Ibn Battuta’s Travels: The Peak of Waqf & Creative Endowments24:50 – How Colonial Powers Systematically Dismantled Waqf in Algeria & India30:30 – The Attack on Family Waqfs & The Loss of Community Independence33:38 – Modern Endowments: How the West Took the Waqf Model37:15 – Did Oxford, Cambridge & Western Trusts Originate from Waqf?40:05 – Inside the National Waqf Model: 50/50 Growth & Grant Reinvestment45:49 – The 6 Priority Areas for Empowering UK Muslims49:32 – Housing, Student Finance & Muslim Financial Empowerment52:22 – Could the UK Government Adopt an Endowment-Style Sovereign Wealth Fund?57:30 – Shifting from First-Generation Survival to Strategic Community Institutions01:00:17 – The UK Waqf Summit & Integrating Islamic Fintech01:03:10 – The Mosque Dilemma: Helping Masajid Build Endowments01:08:40 – Q&A: Property Strategy & Risk-Averse Shariah Investments01:10:12 – Family Waqfs & The Private Endowment (100% Donation Policy)01:14:11 – The Power of Pooled Investments & Overcoming Duplication01:20:23 – Social Investments: How Mosques Can Fund Each Other01:25:35 – Digital Banking for Charities & The Future of Kestrl01:28:28 – Outro & Final Thoughts#islamicfinance #waqfboard #halalinvestment #sadaqahjariyah #money #investment

586 Miles of Wisdom: What 3 CEOs Really Talk About Ep 6518 Aug 202600:45:29

What do three CEOs actually talk about when the cameras are off? We’re on a 586-mile road trip to Manchester to dive deep into the future of Halal finance, the reality of raising capital in the Ummah, and one legendary 3 AM marriage proposal.📱 This episode is brought to you by Kestrl — the app helping Muslims spend, save, and grow their wealth without compromise. Order your watermelon-themed debit card, earn Sharia-compliant rewards, and screen your spending against your values. Download on the App Store or Google Play. https://kestrl.io/Timestamps00:00 – Opening Hook: Balancing Pragmatism and Purity in Islamic Finance00:48 – Intro: The Road Trip to Manchester for the Muslim CEOs Collective01:48 – Kestrl Spotlight: Sharia-compliant rewards and the watermelon card03:35 – The 2026 Landscape: A new wave of Islamic Fintech boundaries04:33 – Deep Dive: Stride Up’s £250M Sukuk and capital market maturity06:20 – Medina Angels: Solving the "Access to Capital" pain point for founders09:05 – The Fundraising Reality: Why raising from the community can be a challenge11:15 – The Circular Economy: Unlocking £14B in idle Muslim wealth15:40 – Pitch Deck Analysis: What makes a standout startup for investors?18:40 – Why Medina Angels backed Kestrl: Innovation in Neo-banking20:18 – The Identity Shift: Beling and Islamophobia in the UK22:45 – Running away vs. Building: Our responsibility as entrepreneurs25:15 – Raising kids in the age of AI and racism26:45 – The "Bollywood" Story: Raza’s incredible 3 AM marriage proposal34:05 – Marriage Advice: 20 years of wisdom and the "Pious Pillar"36:55 – The Startup Spouse: Managing shaky pillars in your life37:50 – Corporate vs. Entrepreneurship: The early opportunity cost39:50 – Pit Stop: Omar Khalil joins to discuss Retail Market trends44:10 – The Ambassadors of Ethics: Lessons from the markets of Medina45:15 – Outro: Mukbang and closing thoughtsKestrl App Links:Download Kestrl (iOS & Android): https://kestrl.io/downloadKestrl Website: https://kestrl.io/Social Media Handles:Instagram: https://www.instagram.com/kestrl.io/LinkedIn: https://www.linkedin.com/company/kestrl/TikTok: https://www.tiktok.com/@kestrl.ioGuest Information (from this episode):Abdul-Haseeb Basett (Muslim CEOs Collective): https://www.linkedin.com/in/abdulhaseebbasett/Raza (Fithar): https://www.linkedin.com/in/raza-khan-fithar/Medina Angels: https://medinaangels.com/#islamicfinance #muslimentrepreneurs #Kestrl #halalinvesting #startuplife

Should Muslims Go All In on Bitcoin? Halal Crypto, Takaful & the Truth About Islamic Insurance | Murad Irsan10 Aug 202601:08:07

This episode is brought to you by Kestrl - the app helping Muslims to spend, store and grow their wealth without compromise!📲 Download today on App Store and Google Play here: https://kestrl.io/get-the-appShould Muslims be all in on Bitcoin — or are we taking it too far? In this episode of Muslim Money Talk, host Areeb Siddiqui is back in Riyadh with Morrad Irsane, co-founder & CEO of Takadao, to unpack how Web3 is being used to reinvent Islamic insurance, and to have a frank, animated debate about Bitcoin, crypto and where Muslims should really be putting their money.⏱️ TIMESTAMPS0:00 Trailer & Intro1:48 Back in Riyadh — and why Makkah is becoming a startup city3:38 What is Takadao? Decentralised Islamic insurance explained5:03 How the LifeDAO family protection fund actually works6:17 Donator and receiver: bringing Takaful back to its purest model8:02 Why every Western "halal" insurer ends up compromising9:58 Killing the conflict of interest: how a DAO removes the middleman11:17 Deny, delay, defend — how traditional insurers avoid paying out12:54 Who controls the money? Voting rights and nine elected members15:08 Why Takadao takes 25% — and what the Takaful standards actually allow17:47 Do you get your money back? Surplus, sadaqah and double reward21:04 The real gap: what happens to a family after the janazah23:56 Stablecoins, USDC and the no-bank crypto card27:56 How halal yield is generated: liquidity provisioning explained32:04 Is this just FX trading? The Sharia distinction that matters34:19 The Bitcoin debate: is it money, digital gold, or neither?38:34 "You don't own Bitcoin" — ETFs, Binance, Revolut and real ownership41:37 Why Bitcoin maximalism is a cult — and why there's no maxi in Islam50:02 If not Bitcoin, then what? Smart contracts and reviving Mudaraba1:00:18 Are Muslims ready for web3? Regulators, remittances and the no-bank vision1:06:48 Where to find Takadao1:07:29 Outro💚 If Muslim Money Talk has given you value, please hit SUBSCRIBE, ring the bell, and drop us a comment — it genuinely helps us grow.⚠️ This episode discusses cryptocurrency, insurance and investing for educational purposes only and is not financial advice. Always do your own research and consult a qualified professional before making financial decisions.#IslamicFinance #Bitcoin #HalalCrypto #Takaful #IslamicInsurance #Web3 #Muslims #Crypto #MuslimMoneyTalk #Kestrl #Takadao #DeFi

Do Muslims Still Belong in the UK? The Crisis in Belonging, Cost of Living & Islamic Finance | MMT Ep 6303 Aug 202601:00:18

📱 This episode is brought to you by Kestrl — the app helping Muslims spend, save, and grow their wealth without compromise. Order your watermelon-themed debit card, earn Sharia-compliant rewards, and screen your spending against your values.

Download on the App Store or Google Play. https://kestrl.io/

Do British Muslims have a crisis in belonging? In the season two premiere of Muslim Money Talk, host Areeb Siddiqui sits down with Sadiq Dorasat — Forbes 30 Under 30, founder & CEO of Muslim Census, and product lead at StrideUp — to unpack the findings of Muslim Census's new report, "Crisis in Belonging."Ten years ago, 9 in 10 Muslims felt a strong sense of belonging in the UK. Today it's just over 1 in 2 — and only 8% feel positive about the country's future. We dig into what's driving that collapse, why 43% of Muslims are relying on credit to cover everyday expenses, the surprising link between Islamic mortgages and belonging, and whether Muslims are really thinking about leaving.⏱️ TIMESTAMPS

0:00 Trailer

1:04 Intro

3:52 The new report: "Crisis in Belonging"

4:25 From 90% to 50% — the collapse in belonging

8:00 Does Sadiq personally feel he belongs?

9:54 The most surprising findings

11:56 Do Muslims really earn 48% more?

13:06 Are British Muslims actually thinking of leaving?

14:41 The shift in where Muslims give their zakat

15:59 Can these surveys be weaponised by the far right?

23:25 Why he started Muslim Census

29:03 A career across Islamic finance: HSBC to StrideUp

32:07 The biggest gaps: insurance and microfinancing

38:03 Advice for Kestrl: just ship40:49 Islamic mortgages — why they cost more

45:20 Rapid fire: conventional or Islamic to start?

49:56 Optimistic for the next generation?

4:04 How Sadiq uses AI in product

59:21 Do Muslims really belong in the UK?💚 If Muslim Money Talk has given you value, please hit SUBSCRIBE, ring the bell, and drop us a comment — it genuinely helps us grow.#BritishMuslims #IslamicFinance #MuslimCensus #CrisisInBelonging #HalalMortgage #CostOfLiving #MuslimMoneyTalk #Kestrel #StrideUp #IslamicMortgage

The Future of Islamic Finance in the UK: Halal Mortgages, Riba & Betting Big on Muslim Fintech | MMT Ep 6227 Jul 202600:44:51

This episode is brought to you by Kestrl - the app helping Muslims to spend, store and grow their wealth without compromise!

📲 Download today on App Store and Google Play here: https://kestrl.io/get-the-app

Recorded live in front of an audience at Muslim Tech Fest.

This episode asks whether the UK can actually become the global capital of Islamic finance — why halal home finance still costs 2% more than a conventional mortgage, why liquidity is the real bottleneck, and what it took to get the first partnership between an Islamic bank and an Islamic fintech over the line.

Guest experts: Raza Ullah, founder & CEO of Pfida, and Hamdi Abdullah, General Manager of Maybank UK

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise. Download our app and order your card here: https://kestrl.io/

⏱️ TIMESTAMPS

0:00 Intro: is Islamic finance really Islamic?

1:20 Meet the panel: Pfida, Maybank and Kestrl

2:05 £1m in 15 weeks — and why the UK may be the best place in the world to do Islamic finance

5:35 Ten years in: how UK Muslims got educated on riba7:58 Why Muslim-majority markets use Islamic finance less than we do

10:20 The 2% problem: why halal home finance costs more11:42 Liquidity is the real bottleneck — and why Maybank partnered instead of going it alone13:20 Pfida: built by the community, for the community

15:20 Community money vs institutional money: the case for a hybrid17:28 What success looks like in 5–10 years

19:50 Do we even call it Islamic? ESG, participation banking and silent dawah

22:08 Competition, Hajj and how big this market actually is

23:59 "Don't become a bank" — and will other Islamic banks follow Maybank?

25:55 Europe, France and why North America excites us more

29:46 Debanking, masjids and the case for business banking

31:23 Consolidation, exits and protecting the mission

34:19 Where should a Muslim charity put £1 million?

40:10 Do VCs want Islamic fintech — and do we want them?

43:09 What's next: Sharia-compliant insurance and credit cards

#IslamicFinance #IslamicFintech #MuslimMoneyTalk #HalalInvesting #Maybank #Pfida #MuslimTechFest #HalalMortgage #FinancialLiteracy #MuslimPodcast #Kestrl

Money & Marriage in Islam: Financial Abuse, Prenups, Mahr & Why Marriages Break Down | MMT Ep 6120 Jul 202601:07:04

This episode is brought to you by Kestrl - the digital bank helping to grow your wealth without compromise!📲 Download today on App Store and Google play here: https://kestrl.io/get-the-app

This episode dives into financial compatibility before marriage, the realities of Mahr, prenups, and how unspoken financial expectations can lead to divorce.Guest experts:Sannah Khan & Dr. Mohammed Sinan

AML Finance insta page:https://www.instagram.com/aml.finance?igsh=MWN1YnY4enMzcnJwMQ==

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise.Become a lifetime user of our new digital bank here: https://kestrl.io/


⏱️ TIMESTAMPS

0:00 "Her money is her money and his money is hers"

0:56 Intro

2:06 How they both ended up in finance

5:32 Solutions in search of a problem — why Amal exists

7:04 What financial abuse actually looks like

9:57 The three-step framework

12:23 The £70bn report — and how they met

15:49 "If your salary doubled tomorrow, what would you do?"

18:56 He earns £150k and won't let her stop working

21:42 "My Situationship with Money" — the card game

26:06 "Her money is her money" — where did it come from?

29:31 Bollywood, borrowed expectations and the checklist problem

33:40 What "provision" actually means

35:32 Is mahr a gift or an exit plan?

37:39 The nikah that wasn't registered — and cost her everything

40:56 £50k weddings and the debt that follows

46:21 High-earning sisters who can't find a match

50:42 Work out the life you want first

53:12 What is a career actually for?

57:49 "Do people ever ask you about second wives?"

1:00:44 Joint accounts — how to actually do it1:04:58 Final advice + the one-day intensive1:06:26 Outro#MuslimMarriage #IslamicFinance #MarriageAdvice #MuslimMoneyTalk #FinancialLiteracy #MoneyAndMarriage #Mahr #MuslimPodcast #Prenup #AmalFinance #Kestrl

How The 40% Inheritance Tax Is Destroying Muslim Families (And How to Manage It) | MMT EP 60 - Ruzwan Boota25 Sep 202500:53:49

This episode of Muslim Money Talk dives into the dangers of poor succession planning, inheritance disputes, and the looming inheritance tax crisis for Muslim families and business owners in the UK. Guest expert Ruzwan Boota shares real-life case studies, explains Sharia-compliant wills, and highlights urgent steps families must take to protect wealth, avoid riba, and preserve unity.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/


Show Notes: 

00:00 - Opening 

02:42 – Introduction of guest Roswan Bhuta, his background in tax advisory

04:16 – Stories from advising footballers on wealth protection

05:56 – Transition to iWills and focus on Muslim tax advisory

07:34 – Muslim wealth, poverty stats, and proactive tax planning

09:05 – Case study: business owner who delayed planning and left chaos

13:04 – Family disputes, Sharia vs. non-Sharia inheritance splits

16:49 – Sharia-compliant wills: rules, shares, and misconceptions20:33 – Examples of siblings inheriting in absence of sons

21:29 – Using trusts to protect irresponsible heirs

22:24 – Process for drafting wills quickly and affordably

25:53 – Kestrel fintech interlude (ad segment)

26:14 – Inheritance tax thresholds, reliefs, and new 2026 law

31:43 – Financial burden on families and rise of riba loans

32:52 – Urgent planning window before April 2026

34:17 – Shaitan’s influence in family disputes over wealth

34:53 – Implications for startups and co-founders

37:24 – Passing on debt and the dangers of delaying Sharia compliance

39:32 – Client story: widow deciding to clear riba mortgages

43:17 – Fees, transparency, and honest tax advice

45:49 – Step-by-step approach: wills, trusts, and family conversations

48:22 – Trust structures to protect immature beneficiaries

49:53 – Importance of proactive planning, not waiting for death

50:24 – Muslims and generational wealth building

51:16 – Practical takeaway: seek specialist tax advice, take action now

The Swedish Revert: Discovering Islam & Islamic Finance | MMT Ep 59 - Pontus Selander18 Sep 202501:12:50

In this episode of Muslim Money Talk, Pontus Selander shares his journey from atheist stockbroker-in-training in Sweden to embracing Islam and becoming a leader in Islamic finance with Saturna Capital. He and host Areeb Siddiqui dive into halal investing, ESG, the challenges of Islamic wealth management, and how Muslims can start investing responsibly, even with small amounts.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 - Opening 

06:20 – Pontus’ upbringing in Sweden, father’s death, early reflections on God.

13:00 – University debates with Muslim friends, prejudice, and first real exposure to Islam.

18:00 – Journey to Shahada, struggles with prayer and alcohol, finding meaning.

27:00 – Family and community reactions, first Eid experience, challenges as a revert.

32:30 – Career in finance, haram investments, dua for change, move into renewables.

39:00 – Marriage, leaving lucrative but haram opportunities, focus on halal income.

50:00 – Challenges in Islamic investing: lack of diversity, Sukuk, BDS concerns.

59:00 – Active vs passive investing, Saturna’s approach to screening & ESG.

10:06:00 – Growth of Islamic investing in UK & Sweden, importance of education.

01:10:00 – Future of Saturna & Kestrel, advice for Muslim fintech and investors.

Money Myths Muslim Financial Advisor: Property, Pensions, Bitcoin & More! | MMT Ep 58 - Faisal Sheikh11 Sep 202501:05:12

A candid conversation with financial advisor Faisal Sheikh challenges the Muslim community’s obsession with buy-to-let property and the recent outperformance narrative of Sharia funds, urging a shift toward backing real, productive businesses. The episode also wrestles with crypto’s value (or lack thereof) in Islamic ethics, practical portfolio constraints for everyday Muslims, and building financial literacy—especially for Muslim women.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening 

09:25 – Sharia funds landscape; small/mid-cap basics

12:30 – “Outperformance” myth (US tech overweight) + risks

19:19 – Deejah Money: goals-first, empowering Muslim women

27:17 – Crypto: speculation vs real utility (Islamic lens)

34:01 – Practical steps: emergency buffers, limited options, risk

36:35 – Personal story: scarcity mindset, decisions, teaching kids

60:20 – Parting advice: buffers, education, and when to seek advice

Mortgage Expert: A New Framework for Islamic FINANCE | Ep 57 - Sheikh Salman Hassan04 Sep 202501:21:36

The episode follows Sheikh Salman Hassan’s personal shift from a transactional view of Islam and Islamic finance to a theology-first ethic of reflecting Allah’s attributes in life and business, prioritising real societal benefit over box-ticking legality. He urges collaboration across the industry—even pragmatically working within conventional frameworks when necessary—to tackle poverty and widen access to finance, while sharing candid stories about mentorship, ego, and spiritual transformation.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening 

05:03 — Spiritual crisis: knowledge without purification

09:52 — From transactional deeds to ma‘rifah (reflecting Divine attributes)

15:44 — Debt ethics via sabr/halim; theology-first approach to finance

34:41 — Collaboration over competition; “rizq is written”

49:32 — What’s missing in today’s Islamic finance

56:46 — Prioritizing poverty & access; serve all society

01:06:33 — Advice to fintechs: do everything with ihsan (even tidy bathrooms!)

01:09:05 — Start with istighfar; the “empty pipe” ego metaphor

01:12:52 — Boundaries; jamali vs jalali mercy/strength; Ali (r.a.) anecdote

01:16:17 — Being mentored by someone younger; humility lessons

01:17:19 — Dream of Shaykh ‘Abd al-Qadir al-Jilani; signs of guidance

01:20:18 — “Sacred Compass” talk aligns; offer to mentor; wrap-up


What It’s REALLY Like Being Muslim in Hollywood (Disney/Pixar Insider) | MMT Ep 56 - Nabil Kazi27 Aug 202501:07:34

In this episode, Nabil Kazi shares his journey from working at Disney and Pixar to paving the way for Muslims in Hollywood, highlighting both the challenges and opportunities of representation in entertainment. Alongside his career insights, he reflects on personal experiences, global travels, and how storytelling can reshape narratives about Muslims worldwide.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/


Show Notes: 

00:00 – Early days at Disney, challenges of openly being Muslim in Hollywood.

00:34 – Toy Story, Pixar collaboration, and creative branding work.

01:08 – Introduction of guest Nabil Kazi and his Hollywood background.

02:11 – Marathons, Ironmans, and athletic pursuits.

04:42 – World travel goal: visiting all 197 countries, inspired by his late father.

06:36 – Highlights and misconceptions about Yemen, Somalia, Libya, and Afghanistan.

12:23 – Growing up near Disneyland, passion for entertainment.

13:48 – Breaking into Pixar and the Toy Story franchise.

20:00 – Marketing, branding, and franchise-building strategies at Disney.

29:35 – Stories about working with celebrities like Tom Hanks and Miley Cyrus.

32:07 – Being Muslim in Hollywood: challenges, perceptions, and representation.

38:53 – Rise of Muslim creatives: Riz Ahmed, Rami Youssef, Moe, and others.

46:19 – Advice on authentic Muslim storytelling without labelling.

50:25 – New Muslim-led studios and changing confidence in Hollywood.

56:06 – Advice for aspiring Muslim filmmakers and writers.

58:21 – Streaming vs theatrical release, marketing strategies, and building franchises.

1:07:03 – Inspiring more Muslims to enter entertainment.

Muslims & Money: Why We Struggle to Build Wealth (and How to Fix It) | Ep 55 Ahmad and Adel (Nisba)18 Aug 202501:09:46

This episode explores the challenges Muslims in the UK face around wealth creation, from limited savings to a lack of financial literacy. Guests Ahmad Ayoubi and Adel Bereksi-Reguig, co-founders of Nisba, share their personal journeys and vision for empowering Muslims with halal investment education and tools.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening 

01:36 – Meet the founders of Nisba

03:42 – Career journeys: trading, teaching & consulting

09:41 – Reconnecting through faith and charity

13:27 – Founding Nisba: from idea to platform

20:09 – Leaving conventional finance for halal alternatives

25:35 – The mission: education, tools & coaching

35:20 – Biggest financial challenges facing UK Muslims

43:06 – Who should own Islamic banks?

49:25 – Challenges in halal investing & boycotts

56:09 – Practical advice for young Muslims with savings

1:07:31 – Final thoughts 

British Australian Doctor EXPOSES What He Saw in Gaza | Dr Mohammed Mustafa Ep 54.11 Aug 202500:44:21

Dr. Mohammed Mustafa, a British-Australian-Palestinian doctor, recounts his harrowing experiences in Gaza, describing the humanitarian catastrophe, targeted destruction of healthcare workers, and his mission to establish a mobile, internationally staffed hospital to save children and rebuild medical infrastructure. He urges collective action, emphasising that every person can contribute to Gaza’s recovery beyond just seeking a ceasefire.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening

06:41 – His motivation to become a doctor and commitment to serving in crisis zones

08:43 – Firsthand account of Gaza’s conditions, lack of resources, and constant danger

13:10 – Going viral while in Gaza; using social media to humanise Palestinians

14:20 – Family’s reaction to his mission; personal encounters with relatives in hospitals.

23:37 – The humanitarian crisis for Gaza’s children and risk of losing a generation.

25:54 – Proposal for mobile, solar-powered hospitals to rebuild healthcare.

31:29 – Navigating politics and risk to push the hospital project forward.

41:37 – Call for global grassroots action; everyone has a role to play

⁠84 Years of Life Lessons From My Grandmother: Pre-partition India, Tiger hunting and More08 Aug 202501:07:47

In this episode, the Areeb Siddiqui interviews his grandmother, Naina, about her remarkable life spanning pre-partition India, the creation of Pakistan, and her experiences living through pivotal moments in history. She reflects on her family’s legacy, her father’s resistance during partition, and shares advice on marriage, faith, and resilience.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 – Opening

01:47 – Naina’s career as a color consultant and inventing “ash white”

03:01 – Early family history: Nawabs, British titles, and their land

06:57 – Grandfather’s barrister training in London and British influence

10:42 – Father’s resistance during partition and move to Hyderabad

14:35 – The value of jungles and the struggle over land

18:55 – Hyderabad’s independence, weapons surrender, and returning to Nagpur

21:22 – Bombay memories and partition violence stories

25:27 – Father’s plans for Pakistan and his untimely death

28:08 – Life at Bhadra House: elephants, tiger hunts, and palaces

33:11 – Hunting stories: man-eating tigers and family traditions

42:05 – Moving to Pakistan: Karachi in the 1960s and climate changes

45:52 – Comparisons of Pakistan then vs now, 1971 war memories

47:50 – Marriage and moving abroad; life in America and Europe

51:29 – Living through global events: WWII, partition, 9/11 aftermath

56:30 – Islamic banking, zakat, and her perspective on Kestrel

59:02 – Advice on marriage, family, and resilience in life

1:07:06 – Closing thoughts and reflections on her peaceful life

Wealth Secrets From The Quran That Will Change How You Think About Money | Adil Hussain Ep 5228 Jul 202501:07:40

In this episode of Muslim Money Talk, host Areeb Siddiqui speaks with Adil Hussain from Islamic Finance Guru (IFG) about the powerful financial lessons found in the Quran and how they can guide Muslims in managing their money ethically. They explore stories from Surah Yusuf and Surah Kahf, the role of Bitcoin and Islamic finance today, and how Muslims can build generational wealth through tools like waqf, zakat, and halal investing.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/


Show Notes: 

00:00 – Opening

02:17 – Adil’s background: From EY to Wahid to IFG

04:23 – Discovering Islamic finance as a young professional

08:17 – Early Islamic fintech players (Wahed, Yielders, etc.)

10:19 – Adil’s switch from data science to Islamic finance content

11:57 – Tips on creating viral, educational content

12:49 – Personal journey of discovering Quranic financial lessons

14:12 – Quran stories: The fisherman, two gardens, Musa (AS), Khidr (AS)

19:39 – Surah Kahf and the spiritual danger of wealth

21:53 – Arrogance and wealth: Lessons from Quranic figures

24:43 – Prophets with wealth (Sulaiman AS) vs simplicity (other stories)

27:49 – Story of the fishermen and divine protection of wealth

33:13 – Parenting, wealth, and spiritual inheritance

35:01 – Perpetual charity (waqf) and its modern impact

38:58 – Evergive, Bitcoin waqf, and endowments in Islamic history

42:02 – Bitcoin as an alternative monetary system

45:59 – Halal status of Bitcoin and critiques of fiat money

48:55 – The halal vs price debate in Islamic finance

50:37 – Pricing, funding, and halal savings/mortgage products

53:15 – Role of Islamic current accounts & financial conditioning

56:20 – Awareness as the main barrier to adoption

59:08 – Algorithms, Islamic content, and social media reach

01:00:15 – Wahed’s viral Mufti Menk campaign and media reactions

01:04:39 – Marketing, awareness, and IFG’s educational mission

01:06:52 – Final thoughts: competition, growth, and community responsibility



Battling Islamophobia In Silicon Valley: Abdul Haseeb Basit (and Mystery Guest?!) Ep. 5014 Jul 202501:01:40

Episode number 50!!!

We’re joined by Abdul Haseeb Basit, cofounder of Madinah Angels to discuss Islamophobia in the startup ecosystem, prompted by controversial comments from a top VC partner, and explore how Muslim entrepreneurs can build their own spaces and funding networks. They also delve into the origins and growth of Madinah Angels and the Muslim CEOs Dinner series, aimed at empowering Muslim founders.


This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/


Show Notes


00:00 - Trailer and intro 

02:20 – The book that changed his career

04:49 - Mystery guest arrives

07:21 – Growing up nomadic and pilot dreams 

11:36 – Career in banking (working with Areeb’s dad?!)

15:06 - Islamic Finance Impressions and moving to FinTech

18:08 – Ethical vs. Islamic branding: lessons for founders

24:05 – Why Islamic fintech will outpace Islamic banks

29:28 – Islamophobia in Silicon Valley and start-up culture 

35:31 – Madinah Angels: Vision, first deal & founder advice

44:11 - Web3, Stable coins and the future of Islamic fintech 

48:31 – The Muslim CEOs Dinner: building community & collaboration

54:41 – Legacy, supporting Muslim businesses & global impact

1:01:22 – Closing thoughts & next steps

Halal Stocks Expert: Ethical Vs Shariah Screening, Active Vs Passive, Fixing Donations & More! | Ep 49 - Rehan Ahmed07 Jul 202501:03:46

Meet Rehan Ahmed, founder of Halal Stocks, an Australian based FinTech on a mission to give investors an unfair advantage in the markets. 

Ethan shares his journey from tech to the Muslim
Charity sector and how a shocking revelation led him to founding Halal Stocks. We discussed the evolution of halal investing, why you really can beat the markets, practices of the early Muslims and crucially: how to align Islamic and ethical investing. 

Find out more about Halal Stocks and become a lifetime member here : https://t212.halalstocks.co/

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

Show Notes: 

00:00 - Trailer

02:48 - Growing up in Australia 

05:10 - Quitting IBM to join Muslim Aid

10:05 - Realising how Charities pay salaries

17:17 – Lack of halal investment options in Australia

20:21 – Launching Halal Stocks in 2018

22:43 – Value investing vs. Growth investing

26:08 - Can you ever beat the market? Active vs Passive debate 

32:32 - Are stocks still worth investing in?

34:25 – Halal Stocks’ offering: automated portfolios, not funds

36:07 – Sharia compliance vs. ethical investing: the BDS challenge

38:53 - Helping Muslims escape 40 hour work weeks

43:03 - Muslims building the first Market in Medina

46:18 - Can Muslims really make a difference in the markets?

48:23 – Why don’t Islamic Investing Standards include Ethical Screening?

51:16 – Dispelling the myth: most companies aren’t involved in unethical practices

53:06 – Getting Lifetime
Membership at Halal Stocks!

54:50 – Upcoming products: intelligent crypto, gold, and US market timing

58:01 – Final advice: follow the Prophet’s example through entrepreneurship

01:00:20 – Audience Q&A : the risk of entrepreneurship






Marriage Finance Expert: Mehrs, Prenups, Second Wives & More! | Ep 48 - Khizar Muhammad16 Jun 202501:09:04

In this  episode of Muslim Money Talk, Areeb Siddiqui speaks with Khizar Muhammad, a Shariah scholar and Islamic finance professional, about the often-overlooked intersection of money and marriage in Muslim communities. They explore topics such as mahr (dowry), prenups, financial expectations, marital communication, and societal shifts that are reshaping how Muslim couples approach marriage today.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Trailer 

02:40 - Eid weddings & reflections on the marriage industry

04:13 -  Khizar’s public speaking nerves and nikah khutbah advice

05:34  - Core purpose of marriage in Islam

07:21 - Decline in societal trust and rise of adversarial prenups

10:47 -Khizar's Personal Journey to Islamic Studies

18:34 - Communication Issues in Marital Finances

29:28 - Understanding Mahar as a Gift, Not Failsafe

39:25 - Prenups and Marriage Contract Conditions

46:30 - Financial Rights and Responsibilities in Islam

53:10 - Lessons from Afghanistan and Beyond

01:07:25 - Closing Thoughts and Farewells



Muslim Leadership Expert: Lessons From Muhammad PBUH, The Sahabah & More! | MMT Ep 47 Omar Khaliel09 Jun 202500:58:53

In this episode of Muslim Money Talk, Omar Khaliel, co-founder of the Riba Free Foundation and Muslim CEOs Collective, discusses the urgent need for ethical, long-term Muslim leadership rooted in Islamic principles. He and host Areeb Siddiqui explore wealth stewardship, the importance of servant-led leadership, and how Muslim CEOs can build generational impact by fostering a values-driven, collaborative ecosystem.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 


00:00 - Opening

04:43 – Circular economy & wealth flow in the Muslim community

07:08 – Leadership, governance & building 100-year organizations

12:56 – How Muslim CEOs dinners foster real impact

21:33 – What is servant-led leadership in Islam?

27:16 – Qur’anic leadership lessons: Talut, Khalid ibn Walid, Abu Dhar

45:10 – Vision for the next decade of Muslim leadership

51:22 – The untapped potential of masjids, charities & investors

54:10 – Why Muslim startups struggle with funding

58:29 – Final thoughts & call to action


Quitting Our Jobs To Launch A £25M Islamic Fintech | Daeng Termizi & Areeb Siddiqui Ep 4602 Jun 202501:16:26

In this episode of Muslim Money Talk, co-founders Areeb Siddiqui and Daeng Termizi dive deep into the journey of building Kestrl, a Muslim fintech startup, from meeting during their MBAs at Cambridge to launching a full-fledged digital Islamic bank. They also explore the philosophy behind Islamic economics, Malaysia’s unique position in Islamic finance, and reflect on the spiritual and economic motivations driving their mission.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 - Opening trailer

02:38 - Intro

04:08 - Childhood in Malaysia and education

08:45 - Malaysia as a hub of Islamic Banking

11:36- Doing the MBA at Cambridge

14:18 - First meeting and the idea for Kestrl

21:33 - Monzo for Muslims?

23:45 - 1st funding round and feedback

26:06 - Daeng's side hustles to survive

30:36 - Finding the right co-founder/CTO

35:17 - Hiring the in-house tech team

40:53 - Going B2B SaaS

42:28 - Launching the Kestrl digital bank

43:37 - Should Muslims move to Malaysia?

48:11 - Malays having different rights

56:46 - What is the Ideal Islamic Economy?

⁠Children’s TV Expert: Fighting Islamophobia, Becoming A Father, Tackling Zionism | Mohammad Shoaib27 May 202501:10:26

Today we’re joined by Mohammed Shoaib, Head of Sales and Marketing at Muslim Kids TV, to discuss the urgent need for high-quality, values-aligned Muslim children’s media. 

They explore Shoaib’s personal journey through faith, fatherhood, and media, diving into how Islamic content creation can combat harmful mainstream narratives and influence the next generation positively.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 - Opening trailer

02:38 - Intro

03:40 - Early Education & Career In Charity

08:08 - Joining And Rebranding Islam Channel 

11:18 - Starting the Dadhood podcast 

12:12 - The Truth About Working In Muslim Organisations 

17:28 - Becoming A Man: Early Marriage & Fatherhood 

21:50 - Marrying A Revert

24:12 - Early fatherhood Baraqa & Financial Struggles 

31:14 - Growing Up Without A Father 

34:33 - Problems with Mainstream Children's Media

39:45 - Subtle Zionist Messaging 

42:05 - The Problem With Aladdin, Zootropolis and more…

45:07 - Muslim Kids TV: Creating Quality Alternatives

53:31 - Is There A Production Quality Gap?

55:49 - Military Brainwashing in the US 

00:59:18 - Pitching New Ideas

01:02:18 - The Future Of Muslim Kids TV

CEO Who Launched The UK’s 1st Islamic Bank: Interest vs. Profit, Expensive Mortgages & More19 May 202501:09:32

In this episode of Muslim Money Talk, Areeb Siddiqui speaks with Sultan Choudhury OBE about the challenges and evolution of Islamic banking in the UK and beyond. 

They discuss misconceptions around Islamic finance, pricing challenges, the need for stakeholder alignment, and how scale and innovation can push the industry forward.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 - Opening trailer

02:08 - Intro and becoming a shareholder in Kestrl

05:39 - Early advice to Kestrl

06:23 - Early education and sales experience  

11:00 - Studying economics and discovering Islamic Finance

15:21 - Early career and thoughts of Deloitte

19:20 - Remembering parents and their influences in entrepreneurship 

22:26 - Working at Charles Schwab and learning Californian Tech Culture 

26:08 - Building Islamic Bank of Britain

28:38 - Challenges in scaling Islamic finance in the UK  

32:55 - Early Products & Launching Islamic Mortgages 

35:40 - Adopting the cloud and new tech

38:14 - Why do Islamic Banks have bad User Experiences?

41:29 - Why are Islamic Mortgages more expensive?

49:08 - Why don’t Islamic Banks want more deposits?

51:10 - Why do returns track the BoE interest rate?

55:36 - So is this interest by another name?

56:53 - Dealing with conflicting Fatwas

59:15 - Dealing with poor UX first 
  
1:01:47 - Why Are Islamic Banks Run By Non-Muslims?

1:05:55 - Do We Need A New Islamic Bank?

Interviewing My Dad: +40 Years in the UK, Career Advice, Being Muslim Post 9/11 | Ep 43 - Ayaz Siddiqui12 May 202501:38:10

In this heartfelt episode of Muslim Money Talk, host Areeb Siddiqui sits down with his father and Kestrl’s CFO, Ayaz Siddiqui, for an emotional and wide-ranging conversation about immigration, financial sacrifice, growing up in post-colonial societies, surviving personal loss, and the evolution of Islamic finance in the UK. 

From humble beginnings in Pakistan to executive roles in global banks, Ayaz reflects on how faith, resilience, and mentorship shaped his journey — and why he ultimately chose to back his son’s fintech startup.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 - Opening
04:35 - Childhood in Pakistan and Military Life

12:11 - Zambia Years and Moving to England

22:13 - Life-Changing Loss at Age 18

35:11 - Breaking into London's Financial World

52:30 - 9/11 and Muslim Identity Crisis

1:10:09 - Mentorship and Career Evolution

1:22:32 - The Birth of Kestrel Financial

1:35:56 - Islamic Finance: Progress and Disappointments

⁠Halal Crypto Expert : How To Invest in Bitcoin in 2025 | Ep 42 - Ibrahim Alkurd05 May 202500:52:03

Meet Ibrahim, a Palestinian born med school drop out who went on to build one of the UK’s largest crypto empires in both mining and trading.

Ibrahim shares his journey with us, why and how Muslims should be investing into crypto, as well as what Muslims should be focussing their skillsets on today.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening 

02:15 - Entering venture capital

03:54 - Dubai vs Riyadh for muslim entrepreneurs
 
05:29 - From medicine to bitcoin trading

07:10 - Can money still be made in cryptocurrencies?

08:22- Turning 2k into 12k through arbitrage trading 

09:47- Definition: What exactly is cryptocurrency?

12:01- Similarities between Qu’ran memorisation and the blockchain

13:52- Why the early passion for bitcoin?

16:03- Launching the UK’s first bitcoin mining company 

17:20- Having God level accountability

17:52- Early money/success impact to ego?

19:06- Definition: What is crypto mining?

21:32- Is crypto a scam?

23:38- How to buy and sell crypto ?

25:10- Keeping your crypto investment safe

26:18 - Using stable coins to send money

27:36 - Decentralised financial services: Islamic insurance and regulations

29:38 - Revolutionising Islamic Finance?

30:39 - Mainstream vs Meme coins

32:45 - Bitcoin = Gold? Ethereum = Oil?

34:29 - Can it really be a currency?

35:30 - Will bitcoin hit $1m USD?

37:00 - Is bitcoin shariah compliant?

38:51 - Breaking for Maghreb prayers

39:28 - Backing muslim founders with Niyyah Capital

41:55 - How to increase your Rizq?

44:29 - What keeps Muslims poor?

46:28 - Wahi: Memorising Hadiths through an app

48:37 - Favorite stories about wealth in the Qu’ran

Muslim Millionaire: Investing in Gold, Moving to Dubai and Entrepreneurship | Shahid Munir Ep 4128 Apr 202501:02:21

Meet Shahid Munir, founder of Minted and Minted Edge, as he shares his journey from a family-run corner shop to leading fintech ventures in gold investment and Islamic banking solutions. They dive deep into entrepreneurship, ethical finance, why Muslims love gold, and how to tackle being “debanked” in today’s world.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Trailer/Introduction 

03:20 -  Childhood inspirations and origins 

06:43 -  Moving to Investment Banking 

09:21 - Industry experience before entrepreneurship

11:17- The Dark Side of Investment Banking 

13:53 -  Early interest in computing 

15:46 - Childhood attempts at entrepreneurship 

17:38 - Scaling first business in telephone systems 

26:00 - Minted: Making Gold Accessible 

32:07 - Why is Gold important to Muslims?

34:55 - Could a gold backed debit card work?

40:00 - Minted Edge: Protecting charities from Debanking

47:25 - Dubai vs UK for Entrepreneurs

50:31 - Making FX payments more efficient 

55:23 - The biggest financial problem for Muslims today

59:38 - Advice to Muslim founders

UK Mortgage Expert: Authentically Halal? Buy To Let and Buying 1st Homes | Ep 40 Sagheer Malik21 Apr 202501:21:15

Meet Sagheer Malik, Chief Commercial Officer of Offa Finance, proving shariah compliant buy to let and bridge financing solutions.

He discusses the regulatory challenges surrounding UK Islamic Home Financing, along with the criticisms that have come his way from other practitioners! Sagheer also discusses the UK Muslim children’s adoption crisis and draws parallels between it and Islamic finance.


This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 



00:00 - Trailer 

02:31 – The UK’s child adoption crisis 

12:03 – Early career at Islamic Bank of Britain

16:37 - Being mentored by strong Muslims

17:39 - Being poor and Muslim 

19:50 - Remembering the late Azhar Khan

23:22- Launching the UK’s first Islamic Bank 

28:15- Mistakes made at the Bank 

32:56- Why the name Offa?

35:42- How Offa fixes UK Islamic Mortgages

41:10 - Why are 2 lawyers often needed?

43:10 - Are some companies more authentically shariah compliant?

50:10 - Confusion amongst the general public 

56:35 - Regulated vs. Unregulated Schemes: Stamp Duty, CGT and Variable Rents

1:07:50 - Offa’s future product offering as

1:11:48 - Should everyone buy property?

1:16:50 - The Story of Abdurrahman RA and charitable giving

⁠Financing Expert: Trump’s New Economy, Gold vs Crypto and The New World Order? | Hassan Daher - Ep 3914 Apr 202501:03:39

In this episode of Muslim Money Talk, Dr. Hassan Daher, founder of Qardus, talks about building the UK’s first Sharia-compliant SME lending platform. They dive into the roots of Islamic finance, the fintech startup journey, and navigating the modern economy as a Muslim entrepreneur and investor.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening

02:19 – Reflections on building a fintech startup and the 5-year journey

04:13 – Overview of Qardus and services offered

05:41 – Growing up in Lebanon, education, and family background

8:52 - Founding Qardus: UK's First Sharia-Compliant Lender

18:58 - The Two-Sided Marketplace Problem

31:29 - How Qardus Works Behind the Scenes

44:06 - Managing Startup Life and Avoiding Burnout

55:11 - Islamic Economics in a Trump Era

1:01:10 - Cryptocurrencies and Financial Literacy



Building MUSLIM Generational Wealth! Ft Sadiq Dorsat, Niaz Azad & Yasmine El-Mahairy | Ep 3831 Mar 202500:42:21

This special live podcast event episode (featuring Sadiq Dorsat, Niaz Azad & Yasmine  El-Mahairy) discusses financial challenges faced by British Muslims, highlighting issues like debt, financial literacy, and the importance of giving Zakat locally. The speakers emphasises building generational wealth within the Muslim community and supporting Muslim-owned businesses, while also tackling stereotypes about wealth and piety.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - The State of Muslim Finances in UK
08:42 - Challenging Poverty-Piety Misconceptions
17:05 - Muslim Charitable Giving and Local Impact
23:29 - Introducing EverGive's Endowment Approach
27:08 - Muslim Women and Financial Empowerment
31:10 - Supporting Muslim Businesses and Entrepreneurship
40:35 - Final Advice for Muslim Entrepreneurs

Halal Pensions 101: Investing £10k, Tax Benefits, Employee Schemes and More | Abul Uddin - Ep 3724 Mar 202500:58:06

Abul Uddin UK Head of Private Client Services at Wahed Invest, discusses the importance of Sharia-compliant pensions, financial literacy among UK Muslims, and shares personal insights into his career transition to Islamic finance. He emphasises how Muslims often leave money on the table by not taking advantage of pensions and tax-efficient investments.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/


Show Notes: 

00:00 - Opening

07:20 - Abul Fazal Salah's Journey into Islamic Finance

18:53 - Cultural Differences in Financial Literacy

32:25 - Understanding Sharia-Compliant Pensions

47:15 - Tax Benefits of Pension Contributions

53:05 - Strategic Investment Planning Advice

The Nikkah Expert: Rising Divorce Rates, Inter-Cultural Marriages and More | Shabbir Hassan - MMT #3617 Mar 202501:36:55

This episode of Muslim Money Talk features Imam Shabbir Hassan, founder of The Nikkah Co., discussing modern Muslim marriage trends, challenges, and solutions. From rising intercultural marriages and shifting wedding costs to divorce trends and the impact of marriage apps, the conversation explores how faith, culture, and financial awareness intersect in today’s Muslim relationships.

This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes: 

00:00 - Opening 

5:20 - From Devon to Islamic Scholar: An Unexpected Journey

17:38 -The Birth of The Nikah Co and Marriage Specialization

28:56 - Wedding Statistics and Cultural Time Management

38:53 - Money, Marriage and Cultural Expectations

49:06 - Why Muslim Marriages Survive or Fail

1:03:19 - Finding a Spouse in the Digital Age

1:13:40 - Overlooking Flaws and Finding Barakah in Marriage


Web3 Experts: The Husband & Wife Reinventing Insurance | Morrad Irsane & Sharene Lee - MMT #3510 Mar 202501:31:02

This podcast episode dives into how Takadao is revolutionising the insurance industry by creating a decentralised, Sharia-compliant mutual protection system powered by blockchain. The guests discuss their entrepreneurial journey, Web3 adoption in Saudi Arabia, and how their innovative model empowers communities to take control of their financial security.

Join TheLifeDao.io by Takadao 


This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

00:00 - Opening

3:17 -Muslim vs Western Insurance Principles

5:06 - Tim Draper Investment and Facing Rejection

37:27 - Wearing Religious Identity in Business

46:01 - Saudi Arabia's Growing Tech Ecosystem

1:07:02 - Married Cofounders: Challenges and Benefits

1:13:19 - Investment Strategy and Claims Verification



The Riba Expert: Broken Marriages, Financial Literacy, Leadership Lessons | Omar Khaliel - MMT Ep 3403 Mar 202500:55:05

He’s back! By popular demand, the founder of Riba Free Foundation Omar Khaliel returns to the Muslim Money Talk podcast to update what he’s been working on for the past year to educate the masses on the dangers of riba.

How does it affect society, from crime to marriages? Are Muslims desensitised to this issue? Why should non-Muslims care about this more? Find out more in this fantastic episode.


This podcast is hosted by Areeb Siddiqui, the founder and CEO of Kestrl, the app that helps people to grow their wealth without compromise 

Find out more about our app here: https://kestrl.io/

And how we help banks here: https://business.kestrl.io/

Show Notes:

0:00 - Opening

02:40 - What is the Riba Free Foundation?

04:40 - Effects on marriages and society 

14:01 - Are Muslims desensitised to riba?

16:37 - Why younger generations care more

19:20 - Moving away from the Islamic argument

22:01 - Developing the mindset of a custodian 

28:54 - Teaching students at university 

31:00 - Addressing the critics of Islamic Finance

37:26 - What to be excited about

44:00 - What do leaders of tomorrow need to learn


How ISLAMIC Is Islamic Finance? | Najib Al Aswad - MMT Ep 3324 Feb 202501:07:37

In this episode of Muslim Money Talk, host Areeb Siddiqui is joined by Najib Al-Aswad, Director at IFAAS, and co-host Ali Siddiqui to discuss the intricacies of Islamic finance. They delve into whether Islamic finance is truly different from conventional finance, the challenges it faces in the UK, and why misconceptions persist. The conversation explores regulatory hurdles, awareness gaps, and the role of Sharia scholars in defining what is truly compliant.


This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/

Show Notes:

0:00- Opening

10:53 -Comparing Islamic Windows in Conventional Banks

16:56 - Evolution of Islamic Finance Principles

31:53 - Challenges in Islamic Finance Marketing

41:56 - Embracing Islamic Finance for All

51:29 - Navigating Sharia Compliance in the UK





The 7 Secrets of Succesfull Fundraising | Sokhiba Mukhitdinova - MMT Ep 3217 Feb 202500:58:57

Meet Sokhiba- super angel investor and one of our very own investors at Kestrl! she shares her ‘Secrets to a Successful Fundraise’, from hiring well to not giving up too much equity. A great episode for startups and investors alike!

This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/


Show Notes: 


00:00 - Opening 

02:15 - Growing up in Kazakhstan 

05:58 - Starting a Career in the UK

08:38 - Becoming an investor 

12:06 - Syndicates and Tax incentives

14:33 - Is the UK still good for startups? 

18:00 - Secret #1: Laser Focus

20:00 - Secret #2: Start a Side Hustle 

21:45 - Secret #3: Get Smart Capital

23:40 - Secret #4: Bootstrap to Revenue

28:22 - Secret #5: Staying Lean 

29:42 - Lessons from Theranos Scandal

30:55 - Crazy Term Sheets and Female Founders

34:54 - Secret #6 Hiring A Killer Team

37:40 - Is YC always worth it?

39:44 - Community Building in Fintech

44:30 - The 2 Chanel Bag Rule

47:24 - Building B2C vs B2B

49:13 - Angels vs VCs

51:48 - Secret #7 How Much Equity to Give? 

53:37 - What Investors Look For In Founders 

56:28 - Why Invest in Kestrl?

The Lawyer Who Built UK Islamic Banking - And How He’s Fixing It | Mohammed Paracha - MMT Ep 3110 Feb 202501:18:39

In this episode, Sheikh Mohammed Paracha an accomplished Islamic finance lawyer and fintech pioneer—shares his journey from drafting groundbreaking Sharia-compliant contracts to building Nesta, a non‐bank financial institution that reimagines ethical fixed income products. He also discusses the challenges of aligning conventional financial practices with true Islamic principles while advocating for regulatory innovation and grassroots engagement.

This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/

Show Notes:

0:00 - Islamic Finance and Fintech Opportunities

3:05 - Legal Career and Islamic Scholar Journey

12:05 - Pioneering Islamic Finance in the UK

22:10 - Breaking Ground in Islamic Finance

31:26 - Islamic Banking Feasibility Study and Challenges

39:31 - Reforming Islamic Finance and Fintech

43:22 - Innovative Sharia-Compliant Investment Platform

48:58 - Regulatory Challenges and Financial Empowerment

57:09 - Islamic Finance and Foreign Investment

1:04:54 - Innovative Approaches in Islamic Finance

1:10:31 - Islamic Finance and Entrepreneurial Insights



Ask A Mufti: Mortgages, TikTok Fatwas & Productivity Hacks| Mufti Faraz Adam - Muslim Money Talk #3003 Feb 202501:35:39

A very special guest for episode 30- our very own shariah scholar, Mufti Faraz Adam!

Mufti Faraz shares his views on the state of Islamic Finance and weighs in on current debates. From TikTok Fatwas and productivity hacks to how to be more like the Prophet Muhammad ﷺ when doing buiness.


This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/

00:00 – Opening

03:25 – Being A Lifelong Learner

04:25 – What is a Mufti?

08:39 – Emotional Burdens of being a Mufti

12:34 – Education and Personal Goal

17:49 – Changing Hate into Love: Learning from Enemies

23:36 – Why Focus on Islamic Finance?

30:07 – Finding Your Why

35:54 – Fatwa controversies & social media misinformation.

45:14 – Is Islamic finance truly halal?

51:45 – Achieving a Prophetic Level of Islamic Finance

57:15 – Should Islamic Finance be used by Non-Muslims?

1:02:37 – How the Prophet Muhammad ﷺ did Business

1:13:13 – The 4 AM productivity rule

1:18:51 – Q&A: Could a Waqf Resolve Home Financing?

1:20:02 - Q&A: What Qualifications are Best for an Islamic Finance Career? 

1:27:52 - Q&A: Is Sukuk Permissible? 

1:33:01 – Final thoughts on the industry’s future.

Quran Expert: Leaders Must Internalise The Quran | Ishaaq Qureshi - Muslim Money Talk Ep 2927 Jan 202501:08:46

This episode dives into the purpose of life through the lens of Islam, with Ishaaq reflecting on the beauty and practicality of applying the Quran in daily life. The discussion spans personal development, virality in content creation while maintaining Islamic values, and navigating the balance between deen and dunya. It concludes with impactful lessons from Islamic history, leaving listeners inspired to align their actions with their ultimate purpose.

This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/

Show Notes:

00:00 – Introduction: The beauty of Islam and the Quran’s guidance.

02:30 – How internships and early experiences shaped Ishaaq’s growth.

05:12 – Pillars of growth and strategies for scaling an app like Nia.

09:12 – Organic vs. paid growth strategies in Islamic startups.

16:00 – Building a meaningful relationship with the Quran.

21:26 – Aligning deen and dunya: Practical advice for young Muslims.

27:27 – Choosing halal careers and maintaining sincerity in intentions.

36:34 – Ishaaq’s journey to becoming growth lead at Nia.

45:03 – Balancing gratitude, humility, and accountability.

49:48 – Formula for achieving virality while staying values-aligned.

59:36 – Quickfire questions: Favorite ayahs, advice for startups, and impactful hadiths.

1:07:29 – Reflection on the humility of Umar ibn Khattab (RA).

1:08:20 – Closing thoughts and gratitude for the conversation.

Muslim Money Talk Best of 2024! Compilation Episode - Muslim Money Talk Ep 2813 Jan 202501:13:29

A 2024 round up! Alhamdullilah after 27 episodes we've have some incredible moments, from discussions on all things Muslim and Money related. Whether it was debating Islamic Finance, getting Personal finance tips, career advice or learning how to start a business there were some fantastic moments from the last 6 months.

Here are just a few...

Show Notes:

00:00 - Introduction

01:54 - Islamic Finance solving WORLD HUNGER?

02:57 - The Power of a Mother's Prayer

06:16 - My Wife Dared Me to Launch An Airline

10:13 - How Islamic is Islamic Finance?

15:37 - Can Women Have a Successful Career AND Family?

20:26 - Building Wealth that Lasts 1,400 years

26:26 - Banking is a Legalised Fraud!

31:02 - If Interest Is Everywhere- Is It All Hopeless?

35:58 - How Apartheid South Africa SHAPED Ideas About Money

39:02 - Dealing with Racism Growing Up In the UK

43:31 - Interest vs. Profit - What's the Difference?

49:41 - UK Schooling is BROKEN

53:42 - How Many Female Imam's Are There?

57:23 - Racism is a part of British Society

1:00:48 - Backlash from Boycotting CocaCola

1:05:01 - Finding Your Calling As A Founder

1:07:53 - How Can Muslims Unlock Their Potential?.

1:11:03 - The Story Behind Kestrl's Name

Making Muslim Women Financially LITERATE | Yasmine El-Mehairy - Muslim Money Talk Ep 2706 Jan 202500:59:56

Yasmine El-Mehairy, a serial entrepreneur and founder of Deja Money, discusses her journey through startups, her inspiration from the Arab Spring, and her mission to empower Muslim women in finance through Deja. She shares lessons learned from her past ventures and insights on fostering financial literacy and independence among women in Saudi Arabia and beyond.

This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/

Show Notes:

00:00 - Opening

02:05 - Networking at fintech events.

03:06 - How entrepreneurship began accidentally.

05:56 - Founding Supermama to fill a content gap.

12:34 - Early funding challenges in Egypt.

17:01 - Supermama’s exit and stakeholder struggles.

24:32 - Cushies: A purpose-driven venture.

28:36 - Transition to UK fintech roles.

34:16 - Deja Money’s origins and goals.

38:38 - Cultural barriers to financial literacy.

44:30 - Saudi focus: Women in the workforce.

52:20 - Lessons on co-founders and networks.

54:52 - Building communities with intention.

58:19 - Yasmeen’s legacy and vision.

How Will AI CHANGE Islamic Finance For Good? | Salman Hussein - Muslim Money Talk Ep 2630 Dec 202401:06:57

In this episode of Muslim Money Talk, Salman Hussein, co-founder of Zeed, discusses the intersection of AI, fintech, and Muslim values, explaining how personalised financial content can empower retail investors. The conversation also delves into entrepreneurship, risk-taking, and the transformative potential of AI in reshaping industries and faith-based engagement.

This podcast is powered by Kestrl.

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs

Kestrl - The Muslim Money App

https://kestrl.io/

Show Notes:

00:00 – Opening

03:24 – From trading to founding: the key inspiration and leap into startups.

08:38 – Early challenges and successes: fundraising and building Zeed’s vision.

14:40 – Innovative AI applications: financial podcasts, broker calls, and content generation.

19:45 – Tackling AI challenges: hallucinations, bias, and delivering accurate personalization.

26:07 – How AI is reshaping finance and its potential impact on the Muslim world.

39:00 – Broader implications of AI: jobs, economics, and societal shifts.

52:56 – Zeed’s rebrand announcement and its future focus on empowering institutions.

Helping Muslims Invest in UK Real-Estate | Youness Abidou - Muslim Money Talk Ep 2523 Dec 202401:12:09

Meet Youness Abidou, founder and CEO of Nester, a Sharia-compliant real estate investment platform in the UK. He shares insights on navigating the regulatory landscape, the challenges of Islamic finance, and his vision for addressing financial gaps in the Muslim community.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

00:00 - Coming up

02:17 - Introduction and banking career 

07:41 - Discovering Islamic Finance

12:25 - Community demand for Islamic Finance

18:29 - Meeting co-founder Mohammed Paracha.

24:40 - British Muslims’ problems and Nester as a solution

28:59 - Early days and teething problems 

32:28 - Islamic vs Ethical branding 

38:11 - How Nester works for businesses 

44:51 - How Nester raises money from the crowd

48:35 - Commodity Murabaha and controversy 

53:17 - Getting a new license just for Nester 

56:32 - Funding rounds and first transactions 

59:12 - Future plans, and expansion to Saudi Arabia.

1:06:07 - Thoughts on the state of Islamic finance and community needs.

1:11:44 - Youness’ vision for Nester’s legacy and community impact.


Buying In London, Rent-To-Rent and Why Muslims Love Property! | Zaid Patel - Muslim Money Talk Ep 2416 Dec 202401:12:43

Meet Zaid Patel, owner of Highcastle Estates and host of The Muslim Pound Podcast.

In today’s Muslim Money Talk we discuss how and why property became such an attractive investment opportunity for Muslims, shariah compliant ways of growing a portfolio and whether property is still worth it as an investment?


This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

Show Notes:

00:00 - Coming up 

01:55 - Creating The Muslim Pound Podcast 

06:06 - Having a victim mentality 

10:28 - Why Muslims love property 

13:17 - The Rent-to-rent business model

20:55 - Family businesses and working with fathers

25:47 - Why don’t Pakistanis help each other?

29:40 - Making Masjids the hubs of communities

31:35 - How real estate agents work 

37:00 - Is buying in London still worth it?

45:04 - Buying vs renting and community building 

51:30 - Starting a Podcast and personal branding

01:02:54 - Favourite guests so far  

01:05:42 - Saudi Arabia’s booming property market

01:10:06 - Leaving a legacy

Is Islamic Banking TRULY Islamic? | Harris Irfan - Muslim Money Talk Ep 2309 Dec 202401:13:09

In this special podcast episode, Harris Irfan, a veteran in Islamic finance, critiques the industry for not adhering to its foundational principles and discusses innovative solutions for real-economy, risk-sharing financial instruments.

He emphasises the need for skills, innovation, and aligning modern Islamic finance practices with prophetic economic principles, while also advocating for Bitcoin as a freedom currency and discussing the future of Islamic fintech.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

TIMESTAMPS: 

00:00 - Coming Up 

02:13 – Haris’s career journey and contrarian perspective in Islamic finance.

06:12 – Challenges faced by Muslims in conventional finance and career advice.

08:28 – Analysis of the disconnect between demand and use of Islamic financial products.

12:50 – Early days at Deutsche Bank and innovation in Islamic finance.

16:50 – Transition from conventional banking to Islamic fintech and ethical dilemmas.

24:41 – Issues in Islamic banking culture and reverse engineering of conventional banking products.

30:31 – Role of fintechs in addressing gaps in Islamic finance.

39:58 – Introduction to Cordoba Capital Markets and the Profit Participating Note (PPN).

52:14 – Discussion on AOFI Standard 62 and its implications for Sukuk.

58:02 – Pakistan’s aim to eliminate riba by 2028 and Bitcoin as freedom money.

1:09:50 – The role of prophetic values in building a better economic system.

1:11:25 – Advice for aspiring Islamic fintech entrepreneurs.

More MUSLIMS Should Become Entrepreneurs! | Areeb Siddiqui - Muslim Money Talk Ep 2202 Dec 202401:18:50

In today’s episode we’re flipping the script and interviewing our host Areeb Siddiqui- the founder of Kestrl: The Muslim Money App!

Driven to leave the corporate world by his growing discomfort working around interest- Areeb discusses his MBA at Cambridge, inspiring stories about money from the Quran and Hadith, and why Muslims are so poor with money today.

Special thanks to Ali Siddiqui (Areeb’s brother) for stepping into the host’s seat this week!


This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

Show Notes: 

00:00 - Coming up 

02:02 - Intro

03:17 – From Physics to Finance

05:57 – The need to experiment 

07:14 - What you study doesn’t matter!

09:21 – Deloitte grad scheme 

13:30 - Islamic Finance at Deloitte

15:31 – Understanding salary bands and consulting culture

22:01 - Lessons from the du’a of Prophet Suleiman AS

28:52 - the Cambridge MBA: Should you do it?

32:57 - Finding a Co-founder and the inspiration for Kestrl

36:17 - Speaking to 3000 Muslims 

39:01 – Going full-time, fundraising and early business models 

48:35 - Tying your camel before you invest 

53:55 - Dark Days: Money struggles and becoming a dad 

56:33 – B2B partnerships, profitability and the blessing of children 

59:40 - Kestrl’s name and branding for Muslims 

1:03:57 – Using open banking for boycotting and upcoming features 

1:06:40 – A.I in Islamic finance 

1:11:08 – Money lessons from the first Muslims 

From Aircraft Cleaner to Airline OWNER | Kazi Shafiqur Rahman - Muslim Money Talk Ep 2125 Nov 202401:27:31

Meet Kazi Shafiqur Rahman, Co-founder of SunnaMusk and Firnas Airways,  as he shares his journey from being a cleaner at an airport to becoming a successful entrepreneur and airline owner. This conversation literally has it all, the ultimate highs and horrific lows of entrepreneurship, to the importance of family in business.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

TIMESTAMPS: 

00:00 - Coming Up 

01:55 – Introduction

04:48- Coming to the UK and early education

09:28 – Why Aviation? Working at the airport 

18:57 – Getting fired and working with family

24:00 - Making money vs. Religion 

26:27 - Learning how to do business 

29:46 - Becoming a serial entrepreneur 

35:20 - Starting Sunnamusk with brothers

38:58 - Consistency, consistency, consistency!

44:12 - Setting a Northstar and raising capital 

48:10 - Whitechapel market and the route to Westfield 

55:38 – Entering shopping malls and early success 

58:47- Pitching to Westfield mall and becoming a real brand 

01:06:47 – The Channel 4 documentary 

01:10:47 – Leaving Sunnamusk for the Firnas Airways 

01:18:19 - What happened to Firnas?

01:21:20 - Lessons learned 

01:26:49 – Conclusion and closing remarks

Can Muslim WOMEN Have a Successful CAREER and MARRIAGE? | Arfah Farooq - Muslim Money Talk Ep 2018 Nov 202401:04:14

Meet Arfah Farooq, co-founder of Muslamic Makers and Muslim Tech Fest!

She shares her journey of community building, balancing family life, and the evolving role of Muslims in tech and entrepreneurship. This conversation explores the challenges of ambition, faith, and creating meaningful change while navigating societal and industry obstacles.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

Timestamp Breakdown:

00:00 - Intro 

03:04 - Origins of Muslamic Makers

05:22 - Founding Discoverables at University 

09:00 - Community Management as a career path 

12:02 - Building a community in Covid

18:15 - Considering leaving Muslamic Makers for family life 

21:10 - Founding Muslim Tech Fest 

24:52 - Celebrating Muslim Tech Talent

26:53 - Kestrl’s experience sponsoring MTF

29:50 - When to use a Branding Agency

32:29 - Deciding when to Monetise

36:14 - Leaving the VC industry due to Palestine 

41:48 - Deciding when to go full time on your start-up

44:42 - Does Diversity & Inclusion work?

48:31 - Losing sponsors due to pro-Palestinian stance

50:05- San Francisco vs. London

54:02 - Can Muslim Women balance careers and family?

57:55 - Can women really have it all? Dealing with maternity leave 

01:03:18 - Arfah’s legacy and hopes for the community

How I Grew My Prayer App Business to +1 Million Users | Abdul Rahman Abbas - Muslim Money Talk Ep 1911 Nov 202401:10:32

In this episode, Abdul Rahman Abbas, founder and CEO of the Pillars app, discusses building a privacy-focused Muslim prayer app and the entrepreneurial challenges and cultural dynamics Muslims face in the UK. He shares insights on bootstrapping vs. VC funding, the importance of community-oriented solutions, and his mission to foster an “abundance mindset” among Muslim entrepreneurs.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

Timestamp Breakdown:

00:00 - Intro 

02:32 – The inspiration for Pillars

05:31 – Building in Public on X (Twitter)

07:03 – Do people care about data privacy?

08:45 – How Pillars hit 1m+ users

13:18 – Balancing Medicine with Entrepreneurship

18:55 – Building infrastructure for Muslims (Prayer, Fiqh, Finance)

23:57 – Why did Abdul-Rahman become a doctor?

26:59 – The Bay Area vs. London mindsets

32:49 –Abundance vs. Scarcity mindsets in US/UK Muslims

37:42 – Female representation in Muslim Tech

39:27 – The Biggest Mistakes founders make

44:01 – Finding a co-founder

49:44 – Debate: VC funding vs. bootstrapping

55:21 – Impact of VC funding on growth and business focus

58:57 – Final thoughts on organic growth vs. VC-backed expansion

1:07:58 – Announcement: New premium features on Pillars app

Building The #1 Rated Burger Joint in London! | Sakib Ahmed - Muslim Money Talk Ep 1804 Nov 202401:09:58

In this episode of Muslim Money Talk, host Areeb Siddiqui speaks with Sakib Ahmed, co-founder of Simply Smash, London’s highest-rated burger joint. Sakib shares his journey from fintech to food service, discussing the challenges of launching a values-driven restaurant and overcoming adversity, including a review-bombing incident that led the community to rally in support of his business.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

TIMESTAMPS: 

00:00 - Intro 

2:06 - Discussion on mutual connections in the London Muslim tech scene

3:00 - Saqib’s fintech background and degree apprenticeship at Goldman Sachs

8:05 - Founding Minideed, a charity-focused social media platform

15:34 - Developing a meaningful and positive social media experience

16:57 - Saqib’s transition from fintech to entrepreneurship with Minideed

17:56 - Decision to open a restaurant, leveraging family experience in the food industry

23:23 - Challenges of running a restaurant during the pandemic lockdown

24:32 - Tiramisu and “Help Our Heroes” campaigns to keep the restaurant afloat

29:05 - Transition to Simply Smash; inspiration for starting a new restaurant concept

32:13 - The “140-Day Challenge” to launch multiple brands and see which succeeds

38:34 - Simply Smash emerges as the winning concept; focus on data-driven burgers

41:39 - Emphasis on customer feedback and delivery experience as success metrics

45:07 - Saqib discusses the review-bomb incident over pro-Palestinian stance

47:51 - Community support through 200+ positive reviews

49:14 - Saqib’s commitment to integrating values into his business model

51:58 - Muslim values in business as a differentiator

52:18 - Financial and tech industry parallels with data-driven business models

54:19 - Saqib introduces Simply Smash’s Wagyu Beef Brisket burger

58:01 - Future plans: Scaling Simply Smash with potential new locations

1:04:01 - Discussion on balancing growth strategies: franchising vs. bootstrapping

1:06:50 - Saqib’s lessons from working with his brother to balance quality and operations

1:07:05 - Saqib’s high points: Impactful community work and building a values-based legacy

⁠Helping Muslim Women Become FINANCIALLY Independent! | Fahan Ibrahim Hashi - Muslim Money Talk Ep 1728 Oct 202401:09:00

This podcast episode explores the journey of Fahan Ibrahim Hashi, founder of Nisa Invest, a financial platform tailored for Muslim women navigating personal finance in alignment with Islamic values. Fahan discusses her transition from investment banking to entrepreneurship and the challenges faced by Muslim women in finance.

This podcast is powered by Kestrl. 

Kestrl is an app that helps Muslim to grow their wealth without compromising their beliefs 

Kestrl - The Muslim Money App 

https://kestrl.io/

TIMESTAMPS: 

00:00 - Intro 

 02:11 – Fahan’s career story and her decision to transition from banking to financial planning.

 03:34 – Education background and early career in investment banking.

 06:12 – Fahan describes investment competitions in university.

08:10 – Explanation of her decision to pursue personal finance content creation.

11:04 – Participation in a boot camp for software development as preparation for Nisa Invest.

13:11 – The moment Fahan decided to focus on financial literacy for Muslim women.

16:13 – Early validation of Nisa Invest’s concept through community events.

19:20 – Fahan’s interest in modest fashion and its parallels with Islamic finance.

24:08 – Encounter with a modest fashion client sparks thoughts on entrepreneurship.

26:54 – Decision to fully commit to Nisa Invest and family’s support.

29:21 – Discussion on financial planning challenges for Muslim women.

30:49 – Explanation of Nisa Invest’s vision and services.

32:42 – Audience feedback and financial literacy tools provided by Nisa Invest.

34:23 – Description of Nisa Invest as a life-stage-focused financial planning platform.

38:30 – Importance of financial planning and breaking down taboos around money.

42:29 – Biggest challenges faced by Muslim women in finance.

51:01 – Simple starting advice for financial planning.

56:50 – Personal anecdotes and strategies for financial literacy.

1:02:16 – Fahan’s future goals for Nisa Invest and her current development work.

1:04:56 – Rapid-fire questions covering Fahan’s favorite books, influencers, and inspiration.

1:08:10 – Closing remarks and where to follow Fahan’s work with Nisa Invest.

© My Podcast Data · Independent project · Data from Apple & Spotify