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 distress 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 subjugation of men.
Allahumma inni a'udhu bika minal-hammi wal-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-buhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This powerful dua is particularly relevant during Ramadan. The Prophet Muhammad ﷺ would recite it frequently, and its comprehensiveness makes it suitable for any time of distress, especially when facing financial hardship and debt. Recite it after your obligatory prayers, during the blessed hours of Ramadan like before breaking your fast, or during the nights of Qadr.
How to Read
Recite this dua with sincerity and conviction. Ensure you pronounce the Arabic words correctly. Raise your hands as you make this supplication, a sign of seeking help from Allah. Remember that dua is a form of worship, and Allah loves to be asked. Maintain certainty in Allah's response, even if the solution isn't immediately apparent. Combine this dua with earnest efforts to find halal means of repaying your debts.
Virtues & Benefits
This dua encapsulates seeking refuge from several afflictions, with a specific mention of 'overwhelming of debt and the subjugation of men.' By reciting it, you are not just asking for financial relief, but for protection against the emotional toll of debt (distress and sorrow) and the external pressures that can come with it. It’s a holistic approach to overcoming debt, seeking both divine intervention and inner strength.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say: 'Allahumma inni a'udhu bika minal-hammi wal-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-buhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.' (O Allah, 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, and I seek refuge in You from the overwhelming of debt and the subjugation of men.)