Muslim Money Talk

Kestrl
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  • Entrepreneurship
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Introducing the Muslim Money Talk Podcast, a place for all things Muslim and Money related.Every week we'll be sitting down with Founders, leaders and industry experts from across multiple disciplines to discuss lessons learned, mistakes made and most importantly 'How they did it?'.Brought to you by Kestrl: The Muslim Money App, software to help Muslims grow their wealth without compromise. Find out more here: https://kestrl.io/

  1. 1d ago

    Mosques Are Richer Than You Think: The Lost Power of Waqf | Maulana Tahir Talati Ep 66

    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

  2. Aug 18

    586 Miles of Wisdom: What 3 CEOs Really Talk About Ep 65

    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

  3. Aug 10

    Should Muslims Go All In on Bitcoin? Halal Crypto, Takaful & the Truth About Islamic Insurance | Murad Irsan

    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

  4. Aug 3

    Do Muslims Still Belong in the UK? The Crisis in Belonging, Cost of Living & Islamic Finance | MMT Ep 63

    📱 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

  5. Jul 27

    The Future of Islamic Finance in the UK: Halal Mortgages, Riba & Betting Big on Muslim Fintech | MMT Ep 62

    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

  6. Jul 20

    Money & Marriage in Islam: Financial Abuse, Prenups, Mahr & Why Marriages Break Down | MMT Ep 61

    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

  7. 09/25/2025

    How The 40% Inheritance Tax Is Destroying Muslim Families (And How to Manage It) | MMT EP 60 - Ruzwan Boota

    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

    How The 40% Inheritance Tax Is Destroying Muslim Families (And How to Manage It) | MMT EP 60 - Ruzwan Boota

  8. 09/18/2025

    The Swedish Revert: Discovering Islam & Islamic Finance | MMT Ep 59 - Pontus Selander

    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.

    The Swedish Revert: Discovering Islam & Islamic Finance | MMT Ep 59 - Pontus Selander
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About

Introducing the Muslim Money Talk Podcast, a place for all things Muslim and Money related.Every week we'll be sitting down with Founders, leaders and industry experts from across multiple disciplines to discuss lessons learned, mistakes made and most importantly 'How they did it?'.Brought to you by Kestrl: The Muslim Money App, software to help Muslims grow their wealth without compromise. Find out more here: https://kestrl.io/

Information

  • Creator
    Kestrl
  • Years Active
    2024 - 2026
  • Episodes
    65
  • Rating
    Clean
  • Copyright
    © Kestrl
  • Show Website
    Muslim Money Talk

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