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 incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from the overpowering 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 qahri ar-rijal.
When to Read
This powerful dua is especially relevant when you feel overwhelmed by debt, facing pressure from creditors, or experiencing significant financial stress. Recite it frequently during times of distress, after your obligatory prayers, or whenever you feel the weight of your financial burdens.
How to Read
Make this dua with sincere intention and conviction. Raise your hands as you do when making supplication, feeling the earnestness of seeking Allah's help. Remember that Allah loves those who turn to Him in their times of need. Focus on the meaning of each phrase, truly seeking refuge from these afflictions.
Virtues & Benefits
This dua encompasses seeking refuge from several deeply troubling matters. By specifically asking Allah to protect you from 'the overpowering of debt and the subjugation of men' (ghalabatid-dayni wa qahri ar-rijal), you are directly addressing the hardship of being indebted and the potential humiliation or difficulty that can arise from dealing with creditors. Seeking refuge from worry, grief, incapacity, laziness, cowardice, and stinginess also strengthens you spiritually and mentally to face your challenges with resilience. The Prophet Muhammad ﷺ taught us this comprehensive supplication, showing its importance in seeking Allah's protection against significant life difficulties.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from worry and grief, incapacity and laziness, cowardice and stinginess, and the crushing burden of debt and the subjugation of men." (Sahih al-Bukhari 3096)