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 anxiety and sorrow, 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 overpowering 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-bukhl, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal.
When to Read
This is a comprehensive dua that the Prophet Muhammad ﷺ would often recite. It is particularly relevant when facing financial difficulties, the burden of debt, or when dealing with individuals who might be in a position of power over you, including creditors. Reciting it can help invoke Allah's protection and assistance in overcoming these challenges with patience and seeking fairness.
How to Read
This dua should be recited with sincerity and conviction, raising your hands as you would in supplication. Focus on the meaning of the words and ask Allah for His help in dealing with your financial obligations and interactions with creditors, seeking both relief and the strength to remain patient and just. It is best recited after prayers or at any time you feel the need for Allah's support.
Virtues & Benefits
This powerful supplication offers refuge from several significant hardships. By seeking Allah's protection from anxiety, sorrow, weakness, and laziness, we are strengthening ourselves mentally and physically to face our challenges. Seeking refuge from cowardice and stinginess helps us maintain good character. Most importantly, seeking refuge from the 'overwhelming of debt' and 'overpowering of men' directly addresses the situation of being indebted and the potential difficulties that can arise when dealing with creditors. It empowers the believer to ask Allah for a way out of debt and to be treated with justice and mercy.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say: 'Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal.' (Sahih al-Bukhari 6369)