اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ زَوَالِ نِعْمَتِكَ، وَتَحَوُّلِ عَافِيَتِكَ، وَفُجَاءَةِ نِقْمَتِكَ، وَجَمِيعِ سَخَطِكَ، أَعُوذُ بِكَ مِنَ الْهَدْمِ، وَالتَّرَدِّي، وَالْهَرَمِ، وَالْهَرَمِ، وَأَعُوذُ 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 the demise of Your blessings, the change of Your protection, the suddenness of Your punishment, and all that displeasures You. I seek refuge in You from demolition and falling from a height. I seek refuge in You from old age. I seek refuge in You from distress and sorrow. I seek refuge in You from incapacity and laziness. I seek refuge in You from cowardice and stinginess. I seek refuge in You from the overpowering of debt and the subjugation of men.
Allahumma inni a'udhu bika min zawali ni'matik, wa tahawwuli 'afiyatik, wa fuji'ati niqmatik, wa jami'i sakhatik. A'udhu bika minal-hadmi wat-taraddi wal-harami wal-harami. Wa a'udhu bika minal-hammi wal-hazan. Wa a'udhu bika minal-'ajzi wal-kasali. Wa a'udhu bika minal-jubni wal-bukhl. Wa a'udhu bika min ghalabatid-dayni wa qahri ar-rijal.
When to Read
This comprehensive dua is particularly relevant when facing situations where you fear exploitation or unfair treatment from powerful individuals or entities in your business dealings. Recite it before entering into significant contracts, negotiations, or whenever you feel vulnerable to being taken advantage of. It's a way to arm yourself spiritually against potential oppression.
How to Read
Recite this dua with sincerity and a firm belief in Allah's power to protect you. Raise your hands as you do with other duas, facing the Qiblah if possible, and begin with the invocation 'Allahumma inni a'udhu bika...' (O Allah, I seek refuge in You...). Pour your heart out to Allah, acknowledging your reliance on Him and your desire for justice and protection.
Virtues & Benefits
This dua encompasses seeking refuge from many worldly and spiritual ills. Specifically, the part 'wa qahri ar-rijal' (and the subjugation of men) directly addresses the fear of being overpowered and exploited by others, including those in positions of power within business contexts. It's a plea for Allah to shield you from unjust dealings and to prevent powerful forces from oppressing you in your livelihood.
Source & Authentication
Anas (may Allah be pleased with him) reported: The Prophet (peace be upon him) used to seek refuge in Allah from these words: 'Allahumma inni a'udhu bika min zawali ni'matik, wa tahawwuli 'afiyatik, wa fuji'ati niqmatik, wa jami'i sakhatik. A'udhu bika min al-hadmi wat-taraddi wal-harami wal-harami. Wa a'udhu bika min al-hammi wal-hazan. Wa a'udhu bika min al-'ajzi wal-kasali. Wa a'udhu bika min al-jubni wal-bukhl. Wa a'udhu bika min ghalabatid-dayni wa qahri ar-rijal.' Translation: 'O Allah, I seek refuge in You from the demise of Your blessings, the change of Your protection, the suddenness of Your punishment, and all that displeases You. I seek refuge in You from demolition and falling from a height. I seek refuge in You from old age. I seek refuge in You from distress and sorrow. I seek refuge in You from incapacity and laziness. I seek refuge in You from cowardice and stinginess. I seek refuge in You from the overpowering of debt and the subjugation of men.' (Sahih Muslim 2708)