Pensions are one of the most powerful — and most misunderstood — parts of personal finance.
And for women, especially Muslim women, they matter more than we’re often taught.
In this Investing 101 episode of DijaCast, we break pensions down in a simple, practical, and faith-aligned way — without jargon, guilt, or overwhelm.
In this episode, we cover:
• Why pensions matter so much for women and the real impact of career breaks• The three layers of pensions in the UK: State Pension, Workplace Pension, and SIPP• How workplace pensions work, employer contributions, and your right to a halal fund option• What a pension actually is (and why it’s just a wrapper for investments)• How much to contribute — using realistic, flexible guideline• How to find old or forgotten pension pots• A clear, balanced Islamic perspective on pensions and zakat• The most common mistakes to avoid
Whether you’ve been ignoring your pension, opted out in the past, or simply never felt confident enough to engage with it — this episode is your reset.
Your pension isn’t a chore.
It’s a gift to your future self — one built on foresight, independence, and barakah.
🎧 Listen now and take your next confident step toward long-term, halal wealth.
Gold has been trusted for thousands of years, but how does it actually fit into a modern, halal investment portfolio? And what about silver, platinum, oil, agriculture, and other commodities?
In this DijaCast Investing 101 episode, we break it all down in a simple, faith-aligned way.In this episode, we cover:
Gold won’t make you rich but it will protect what you’re building.It’s not a growth engine, it’s an anchor.
And in a well-diversified halal portfolio, that anchor matters.
If you’ve ever wondered whether gold is worth buying, what type to choose, or how commodities fit into your long-term strategy, this episode gives you the clarity you need.
✨ Listen, learn, and take your first confident steps into halal investing the Dija way.
Crypto is everywhere — TikTok, group chats, family WhatsApp threads… and the hype can make it feel like you’re either missing out or about to make a huge mistake. In this Investing 101 episode, we cut through the noise and bring you a clear, faith-aligned breakdown of what cryptocurrency actually is — and whether it belongs in your financial plan.
We cover:
🌐 What cryptocurrencies like Bitcoin, Ethereum, stablecoins and NFTs really are
🔗 How blockchain works (in simple English)
📉 Why crypto is so volatile — and what “risk of total loss” actually means
⚖️ The Islamic perspective: why scholars are divided, what’s considered gharar, and what to avoid
🔐 Security risks, scams, and what happens when exchanges collapse
📊 Whether crypto can play a (small) role in a diversified halal portfolio
🕌 How to approach crypto as a Muslim woman — with clarity, caution, and intention
This episode is here to help you answer the real question:
Is crypto right for me — or can I confidently say “not for me” and walk away?
Either answer is perfectly valid. Financial confidence is knowing the difference.
✨ New to Dija?
We’re building the UK’s first ethical, faith-aligned investing platform designed for women.
Join the waitlist at www.dija.money.
#Crypto #HalalInvesting #MuslimWomen #FinancialLiteracy #Bitcoin #Ethereum #DijaCast #Investing101
Ever wondered how people actually invest in companies — not just through the stock market, but in exciting early-stage startups you see making headlines?
In this episode of DijaCast's Investing 101 series, we're demystifying the world of company investing — from public stocks to private ventures, angel investing to crowdfunding platforms.
We'll explore what it really means to "own part of a company" and how Muslim women can participate in this space the halal way.🚀
What we cover:
Whether you're curious about backing the next big idea or simply want to understand how companies grow and get funded, this episode breaks it down clearly — without the jargon, with full transparency about risk, and always grounded in your values.
🕌 Halal-first approach
💡 Built for Muslim women taking control of their financial future
📊 Real talk about risk, returns, and what success actually looks like
From consumer to co-owner — this is how we participate in the economy that reflects who we are.
For many of us, especially as Muslims, owning property feels like the ultimate financial milestone. But is buying a home always an investment? And what if you’re not ready to buy yet — are there still halal ways to invest in real estate?
In this episode of DijaCast’s Investing 101 series, we unpack the myths, risks, and opportunities in the property world — from owning your first home to exploring fractional investments and ETFs.
🔑 What we cover:
Is your home really an investment?
The truth about buy-to-let
How fractional property investing works
Property funds, REITs, and halal ETFs — even inside your ISA
Investing in overseas real estate (like Dubai)
Risk levels, minimums, and how to choose what’s right for you
This episode is your clear, faith-aligned guide to understanding where real estate fits into your financial plan — not just where others expect it to.
🕌 Grounded in halal principles.📊 Backed by data.💡 Made for Muslim women taking confident steps in their financial journey.
We always hear “stocks and bonds” when people talk about investing.
But bonds are off the table for Muslim investors.
In this episode of DijaCast: Investing 101, we unpack why bonds are haram, what makes them fundamentally different from halal investing, and introduce their ethical, faith-aligned alternative — sukuk.
Sukuk aren’t just “Islamic bonds.” They’re built on shared ownership, real assets, and fair risk — flipping the model from lending to value creation.
We’ll explore how sukuk work, where they fit in your halal portfolio, and even how the UK became the first non-Muslim country to issue one.
They say gold never loses its shine — and that’s true both for the metal and for today’s guest.
In this episode of DijaCast, we’re joined by Arfy Majeed — a Chartered Accountant, Certified Financial Coach, and former Vice President of Finance who spent two decades managing portfolios worth over $20 billion.
After years in corporate finance and precious metals trading, Arfy realised that even high earners struggled with money confidence. So she shifted her focus to helping individuals — especially women — build financial wellbeing with wisdom and barakah.
We’ll explore what makes gold so timeless, how to invest in it the smart and halal way, and the lessons Arfy’s learned from standing in trading rooms and souqs around the world.
Whether you own gold, plan to buy it, or just want to understand its power, this episode will leave you seeing wealth — and value — in a whole new light.
Links for Gold backed Credit Cards:
https://giveaway.aufort.gold/en/
Arfy’s Newest Course
https://www.eventbrite.co.uk/e/how-to-invest-in-gold-silver-for-beginners-tickets-1947313419859
Most people start investing by asking, “Where should I put my money?”
But the smarter question is: “What am I investing for — and who am I as an investor?”
In this episode of DijaCast, we explore how to design your investment journey with faith, self-awareness, and clarity.
We’ll talk about:
💭 The difference between saving and investing
⏳ How your time horizon and risk capacity shape your investing decisions
📈 Income vs. growth investing — and what fits your lifestyle
🌿 Discovering your investing personality: The Cautious Saver, The Balanced Builder, or The Legacy Seeker
🎧 Listen now to start investing with intention — the Dija way.
Ever wondered what it actually means to “invest”?
In this first episode of our Investing 101 series, we break down the world of halal investing, the Dija way; clear, simple, and rooted in faith.
We’ll talk about:
What stocks, funds, and ETFs really are (and how they differ)
How they show up inside your pension and ISA
The difference between DIY investing and ready-made portfolios
What makes something halal—and how purification & zakat work
Investing isn’t just about growing wealth, it’s about aligning your money with your faith and values .
🎧 Listen now and start your investing journey, the Dija way.
You’ve probably heard both:“Don’t worry, money will come — just have tawakkul.”And “Plan every penny — your future depends on it.”But what if both are true?
In this episode of DijaCast, we unpack how Islam calls us to balance faith and financial planning — tying the camel and trusting Allah.We talk about:
🌙 The two extremes — fatalism vs control obsession📖 Prophetic examples of planning with tawakkul
💡 The wisdom of the sahaba.
🧭 The “3 D” framework: Du‘a, Discipline, and DecisionBecause real tawakkul isn’t doing nothing — it’s doing your best and finding peace in what Allah decrees.
🎧 Listen now and discover how to plan your financial life with faith, intention, and barakah.
In a world that glorifies the “grind,” how do we earn more without burning out?
In this episode, we break down the truth about side hustles, portfolio careers, gig work, and passive income — and the difference between empowerment and exhaustion.
We talk about:
💰 How to make more from your current job before adding another plate to spin
💼 The different types of side income — and which might fit your life🧠 The mental load women carry — and why burnout isn’t barakah
🌙 When earning extra truly helps (and when it costs too much)
⚖️ Questions to help you find your balance between money, health, and deen.
Because life is hard, expensive, and full of compromise — but your financial journey doesn’t have to come at the cost of your wellbeing.
In this episode of Dijacast, we unpack one of the most powerful financial tools in the UK: the ISA — Individual Savings Account. We’ll explain what it is, the different types you can open, how to make sure your ISA is Shariah-compliant, and why every Muslim woman should consider one as part of her financial journey.
By the end, you’ll not only understand how ISAs work, but also how they can help you build wealth with barakah — tax-free, halal, and aligned with your values.
Crypto: risky, scammy, “not for me”… or a tool Muslim women can actually use to build wealth with barakah?
In this episode of Dijacast, I sit down with Shahd Abdelhadi — Head of Growth at Takadao, co-founder of Women Who Invest, and the creator of Getting Started with Crypto, a course designed to make the world of digital assets clear, halal, and accessible.
Shahd shares her journey as a Muslim woman stepping into the male-dominated world of finance and crypto, breaks down myths vs realities, and explains how everyday women in the UK can start thinking about crypto — safely, ethically, and Islamically.
We also talk about Mufti Faraz Adam’s fascinating article on using Bitcoin as Mahr (yes, really), and why women need to take up space in the conversation around money, tech, and the future of Islamic finance. [https://shorturl.at/f4wPF]
Dija listeners get 15% off Shahd’s course “Getting Started with Crypto” with code DIJA15 — find the link in the episode description.
[ https://shorturl.at/YCpNa ]
What keeps you safe when life throws the unexpected at you?
In this episode of Dijacast, we’re breaking down your financial safety net — three essentials every woman in the UK needs to protect her peace of mind:
An emergency fund (and sinking funds for the expenses you know are coming)
A plan to deal with high-interest debt like credit cards, overdrafts, and Buy Now Pay Later
And a healthy credit score — not because we love credit, but because it’s the invisible gatekeeper to housing, bills, and even jobs.
These three pillars might not sound glamorous, but they’re what keep you from being one bill away from a crisis.
Why does your paycheque feel smaller than you expected — even after a raise?
In this episode of Dijacast, we break down the three biggest reasons: lifestyle inflation, invisible spending, and the tax-to-take-home curve that can shrink your net pay even as your gross goes up.
And joining me for this one is our Chief Investment Officer, Faisal Sheikh, who explains the UK tax system, National Insurance, and that sneaky 60% marginal band in a way that finally makes sense.
By the end of this episode, you’ll not only understand where your money’s really going, but also how to set goals and build a game plan so your paycheque works for you — not the other way around.
Talking about money is never just about pounds and pence.
It’s about fear when you check your bank app.
It’s about the exhaustion of carrying every financial responsibility on your shoulders.
It’s about comparing yourself to everyone else’s Instagram highlight reel.
In this episode of Dijacast, we’re breaking the silence around money — the difficult conversations we avoid with ourselves, with others, and even with Allah. And we’ll explore how Islam gives us the tools to turn those heavy conversations into clarity, confidence, and barakah.
What actually makes money halal? Is it just about avoiding riba — or is there more to it?
In this episode of Dijacast, we sit down with Sannah Khan, founder of Muslimah Finance, a platform dedicated to empowering Muslim women to achieve financial literacy and build wealth in a Shariah-compliant way. With over 10 years of experience in accountancy and finance, and studies under leading Islamic finance scholar Mufti Faraz Adam, Sannah brings both expertise and heart to this conversation.
We dive into why Muslim women don’t talk enough about money, what to look for if you want to study Islamic finance, and the real relationship between halal, ethical, and sustainable investing. Sannah also shares personal stories, her best and worst financial decisions, and her perspective on what true success and barakah actually look like.
Whether you’re just starting your financial journey or rethinking your definition of success, this episode will challenge you, inspire you, and most importantly get you thinking about your money.
In this episode of Dijacast, we break down the 7 key financial moves every woman should make in her 20s, 30s, and 40s — with practical, UK-specific, and halal-friendly advice.
Why your 20s are all about building habits, skills, and confidence
The big financial decisions to focus on in your 30s (from property to pensions)
How your 40s are about protecting, growing, and planning for the future
The timeless money principles that apply at every stage — like avoiding debt, giving with intention, and investing in your future
Whether you’re just starting out, juggling family and career, or looking to secure long-term stability, this episode will give you clarity, confidence, and steps you can actually take today.
Because every stage of life comes with new opportunities — and your money should grow with yo
What if one simple graph could change how you see money forever?
In this episode of Dijacast, I share the moment I realised that not investing was costing me far more than I thought — and why it’s never too early (or too late) to start.
We’ll cover:
The real difference between saving and investing over 10 and 40 years
The biggest misconceptions that keep women from investing
Why investing isn’t gambling — and how to do it with balance
The cultural and faith-based shift we need in finance
How to take your first steps toward building halal, purposeful wealth
🎧 Whether you’re starting with £50 or £500 a month, this episode will help you invest with confidence, clarity, and faith.
What do cigarettes in the 1920s, chocolate mini rolls, and luxury handbags have in common?
They were never just about cravings or style — they were about influence.
In this episode, we unpack the sneaky psychology behind marketing and how it shapes what we buy, how we feel, and even who we think we are.