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 worry and grief, I seek refuge in You from helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and from the oppression 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 ghalabad-dayni wa qahri ar-rijali.
When to Read
This powerful dua is especially relevant when you feel the weight of debt pressing down on you, or when you are facing difficulties in fulfilling financial obligations to others. It's a comprehensive supplication to seek Allah's protection from the anxieties that accompany debt and the emotional toll it can take. Recite it regularly, particularly after your obligatory prayers, and whenever you feel overwhelmed by your financial burdens or the pressure of promises made.
How to Read
Recite this dua with sincerity and a humble heart, raising your hands as you would in supplication. Focus on the meaning of each phrase, truly seeking Allah's refuge. It is recommended to repeat it multiple times for emphasis. Remember that dua is a form of worship, and Allah loves to hear His servants turn to Him in times of need. This dua was a regular habit of the Prophet Muhammad ﷺ, highlighting its importance.
Virtues & Benefits
This dua offers immense spiritual and practical benefits. By seeking refuge in Allah from debt, we are not just asking for financial relief but also protection from the associated distress, anxiety, and the feeling of being controlled by our obligations. The Prophet Muhammad ﷺ himself sought refuge in Allah from these very things, demonstrating that this is a practical and effective way to address such concerns. It also safeguards against the 'oppression of men,' which can manifest in harsh demands from creditors or the shame associated with inability to pay. It's a holistic plea for ease and well-being, encompassing both worldly and spiritual peace.
Source & Authentication
Anas (may Allah be pleased with him) reported: The Prophet (ﷺ) used 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". (O Allah, I seek refuge in You from worry and grief, I seek refuge in You from helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and from the oppression of men). Sahih al-Bukhari 6369.