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 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 qahrir-rijal
When to Read
This powerful dua is especially relevant when facing the burden of debt. Recite it regularly, particularly after your obligatory prayers, or at any time you feel the weight of financial obligations pressing down on you. It's a proactive step to seek Allah's protection and assistance in managing and overcoming debt, and also helps in seeking blessings in whatever wealth or inheritance you receive, ensuring it is protected from hardship and unfair claims.
How to Read
Recite this dua with sincerity and full conviction in Allah's ability to help. Face the Qiblah if possible, raise your hands (as you would in supplication), and utter these words seeking Allah's refuge. Believe that Allah hears your plea and will respond in the best way possible, whether through direct means or by strengthening your resolve and guiding your actions towards debt repayment and blessing your inheritance.
Virtues & Benefits
This dua encapsulates seeking refuge from several debilitating states, including the heavy burden of debt ('ghalabatid-dayn') and being overcome by people ('qahrir-rijal'). By seeking refuge in Allah, we are not just asking for the debt to be paid, but for protection against the distress and shame that can accompany it, and the potential for being exploited or oppressed due to financial hardship. The inclusion of seeking refuge from distress, grief, incapacity, laziness, cowardice, and stinginess also indirectly aids in managing one's financial life, fostering the motivation, courage, and wisdom needed for responsible financial management and securing blessings (barakah) in one's sustenance and inheritance.
Source & Authentication
Narrated Abu Huraira: The Prophet (ﷺ) used to invoke: 'Allahumma inni a'udhu bika minal-hammi wal-hazani, wal-'ajzi wal-kasali, wal-jubni wal-bukhli, wa ghalabatid-dayni wa qahrir-rijal.' (Sahih al-Bukhari 6369)