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 burden 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahri ar-rijali.
When to Read
This powerful dua should be recited regularly, especially when feeling overwhelmed by debt or financial worries. It’s a prayer the Prophet Muhammad ﷺ would often make, so it’s excellent to incorporate it into your daily supplications, perhaps after your obligatory prayers or during times of quiet reflection.
How to Read
Recite this dua with sincerity and conviction. Understand the meanings of the words and feel the weight of seeking refuge in Allah. Ensure you are in a state of purity if possible, and face the Qiblah while making the dua. Believe that Allah is capable of relieving your distress and compensating for your losses.
Virtues & Benefits
This dua directly addresses the anxieties associated with debt and financial hardship. By seeking refuge in Allah from the 'burden of debt' (ghalabatid-dayni) and 'overpowering of men' (qahri ar-rijali), we acknowledge that true relief and strength come only from Him. The Prophet's ﷺ consistent recitation of this dua highlights its importance in seeking Allah’s protection from these weighty matters.
Source & Authentication
‘Abdullah bin ‘Umar (may Allah be pleased with him) reported: The Messenger of Allah (ﷺ) used to teach them to say: اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ ‘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 qahri ar-rijali.’ (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 burden of debt and the overpowering of men.) ‘Abdullah bin ‘Umar (may Allah be pleased with them) said: I said to him: 'O Messenger of Allah, the jinn and the humans say it.' So the Messenger of Allah (ﷺ) said: 'I indeed recite it many times.'