Muslim Money Talk

Kestrl

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. 15h ago

    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

  2. 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

  3. 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

  4. 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
  5. 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
  6. 09/04/2025

    Mortgage Expert: A New Framework for Islamic FINANCE | Ep 57 - Sheikh Salman Hassan

    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

    Mortgage Expert: A New Framework for Islamic FINANCE | Ep 57 - Sheikh Salman Hassan
  7. 08/27/2025

    What It’s REALLY Like Being Muslim in Hollywood (Disney/Pixar Insider) | MMT Ep 56 - Nabil Kazi

    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.

    What It’s REALLY Like Being Muslim in Hollywood (Disney/Pixar Insider) | MMT Ep 56 - Nabil Kazi

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/

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