Zoya Zoya Halal Stock & ETF Screener
Halal Investing in West Coast
Shariah screening app from Investroo Inc. (US), verified live on the New Zealand App Store on 2026-08-07 (version 2.0.73, free with in-app purchases). Zoya gives instant AAOIFI-based compliance verdicts on stocks worldwide for free, with Pro unlocking full ratio-level reports, alternative rulebooks (S&P, MSCI, Dow Jones, FTSE Russell), ETF and mutual fund look-through screening, compliance change alerts and zakat tools. For New Zealand investors the practical pairing is a local platform (Sharesies, Hatch or Tiger Brokers, none of which offer any halal screening of their own) for US-listed shares, with Zoya as the compliance layer before every buy. Zoya's covered markets are US stocks, ETFs and mutual funds plus stocks in the UK, Canada, Australia, Germany, France, Denmark, Sweden, India, Japan, Poland, Taiwan and OTC. The NZX is not covered, and Zoya's in-app brokerage linking and trading run through US, Canadian and Australian brokers, not NZ platforms, so portfolio tracking for NZ users is manual.
For the self-directed half of NZ halal investing, Zoya is the compliance layer that makes Sharesies, Hatch and Tiger usable, since none of the three platforms offers any Shariah screening of its own. The free tier's instant AAOIFI verdict covers the US shares NZ investors actually buy, and the methodology is published and reviewed by named scholars rather than asserted. Its limits in this market are clear: the NZX is invisible to it, and the slick auto-tracking that US and Canadian users get via broker linking does not reach NZ platforms, so you will be checking holdings by hand. Priced via the web checkout rather than the NZ App Store markup, it is cheap insurance against accidentally holding a conventional bank. Pair it with Musaffa if you want deeper research or partial NZX coverage.
Pros
- The fastest way for an NZ investor to vet a US-listed stock: free verdict in seconds, scholar-reviewed methodology
- Covers Australian stocks too, useful for the ASX names available on NZ platforms
- Published purification and zakat methodologies fill the gap NZ platforms leave entirely open
- No custody or account risk: it reads, it does not hold money
Cons
- No NZX coverage: it cannot screen Fisher & Paykel Healthcare, Meridian or any locally listed share
- Brokerage account linking runs on Plaid and supported US/CA/AU brokers, so Sharesies and Hatch portfolios must be tracked manually
- NZ App Store Pro pricing (NZD 27.49/month headline) is materially more than the fair-pay web checkout, so buy on the web
- ETF screening depth is strongest for US-listed funds, thinner elsewhere
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Zoya in West Coast
Zoya's Zoya Halal Stock & ETF Screener is accessible to investors in West Coast, structured as Stock Screener: New Zealand's halal investing products are digital, so region matters less than fees, purification and governance. Zoya serves customers across New Zealand, so West Coast residents have full access to this product subject to the eligibility requirements above.
Shariah Compliance & Oversight
Shariah advisors: Sheikh Joe Bradford (AAOIFI CSAA, formerly Al Rajhi Bank) and Sheikh Umer Khan. Source: zoya.finance company pages, verified 2026-08-07.
2026-08-07
Why It's Halal
Zoya's default methodology is the AAOIFI screen: business activity screening plus financial ratios capping non-permissible revenue at 5% and interest-bearing debt and securities at 30% of market capitalization. Shariah oversight comes from named advisors Sheikh Joe Bradford (AAOIFI CSAA certified, formerly of Al Rajhi Bank) and Sheikh Umer Khan, who review the screening methodology and purification approaches. Zoya publishes three purification methods (dividend, capital gains and AAOIFI annual per-share) with worked examples, and its zakat calculation follows Joe Bradford's Simple Zakat Guide methodology. The tool screens; it does not custody money, so the compliance question sits entirely in the methodology, which is published and scholar-reviewed (zoya.finance and app documentation, verified 2026-08-07).
Regional Availability
Zoya serves all of New Zealand
✓ Available nationwide including West Coast
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Compare With Other Options in West Coast
2 other investing products available to West Coast residents
Shariah-screened USD unit trust (Strict Ethical Mandate, AAOIFI-aligned) · Nationwide
Nationwide
Halal Investment Growth Estimate
See how your halal investments could grow over time
Total Value
$343,778
Contributed
$130,000
Growth
$213,778
Hypothetical projection. Past performance does not guarantee future results.
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Important: HalalWallet provides educational information and comparisons to help you explore halal financial options. We do not provide financial, legal, or religious advice. Product structures and Shariah compliance oversight vary by provider. Always verify halal compliance directly with providers and consult with qualified Islamic finance advisors or scholars for guidance on specific products and your individual circumstances.