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 ghalabad-dayni wa qahrir-rijali.
When to Read
This powerful dua is ideal to recite during times of intense financial worry, when facing overwhelming debt, or when feeling the pressure of business failure. It's particularly effective when uttered with sincerity after prayers (Salah), or during the late hours of the night when supplication is most readily accepted by Allah.
How to Read
Recite this dua with a sincere heart, focusing on your need for Allah's help. Raise your hands in supplication, as is the practice of the Prophet ﷺ. Imagine Allah's mercy enveloping you as you call upon Him. It's also beneficial to follow this with specific requests for financial relief and guidance in your business endeavors.
Virtues & Benefits
This dua directly addresses the anxieties and burdens that come with financial ruin. Seeking refuge in Allah from worry, grief, incapacity, laziness, cowardice, stinginess, overwhelming debt, and being overcome by people is a comprehensive shield. By acknowledging our reliance on Allah for all matters, including our financial well-being, we open the doors to His mercy and assistance.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, '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.'