اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
O Allah, I seek refuge in You from worry and grief, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the overwhelming of debt and the subjugation of men.
Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahri-rijali
When to Read
This powerful supplication is perfect for times of financial anxiety, when debt feels overwhelming, or when you fear being unable to meet your obligations. It's also beneficial when feeling generally stressed or weighed down by life's burdens, as worry and grief often accompany financial hardship. Recite it sincerely whenever you feel these pressures mounting.
How to Read
This is a comprehensive plea to Allah, seeking His protection from specific ailments that can plague a person's life, including financial distress. Raise your hands if possible, face the Qiblah, and recite with full concentration and conviction, believing that Allah is the only one who can relieve your distress. Repeat it regularly, especially after your obligatory prayers. The key is sincerity and a firm reliance on Allah.
Virtues & Benefits
This dua directly addresses the anxieties surrounding debt and financial pressure. By seeking refuge in Allah from 'overwhelming debt and the subjugation of men,' you are acknowledging that ultimate control lies with Him. The Prophet Muhammad ﷺ himself recited this dua frequently, indicating its profound importance. It offers not only spiritual solace but also a catalyst for seeking practical solutions, as a clear mind, free from excessive worry, can better tackle financial challenges. It embodies Tawakkul (reliance on Allah) while encouraging action.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to supplicate: 'Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahri-rijali.' (O Allah, I seek refuge in You from worry and grief, I seek refuge in You from incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the overwhelming of debt and the subjugation of men.)