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 anxiety and sorrow, 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 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 qahrir-rijal.
When to Read
This powerful supplication is especially relevant when facing overwhelming debt, difficult or intimidating creditors, or simply feeling the pressure and anxiety that financial hardship brings. Recite it during your daily prayers, after your obligatory salah, or at any time you feel the weight of your financial obligations.
How to Read
This dua should be recited with sincere intention and firm reliance on Allah (SWT). Raise your hands as you would during prayer, facing the Qiblah if possible, and speak with conviction. Remember that Allah (SWT) is the ultimate provider and sustainer. Along with this dua, strive to find practical solutions for your debt, seek legitimate means of income, and maintain patience and gratitude.
Virtues & Benefits
This hadith directly addresses the seeking of refuge in Allah (SWT) from two significant burdens: the 'burden of debt' (غَلَبَةِ الدَّيْنِ - ghalabatid-dayn) and 'being overpowered by men' (قَهْرِ الرِّجَالِ - qahrir-rijal). This implies that debt can lead to a loss of dignity and respect, and can make one vulnerable to the actions and demands of others. By seeking refuge in Allah (SWT), one asks for His protection not only from the debt itself but also from the distressing emotional and social consequences it can bring. It also encompasses seeking refuge from anxiety, sorrow, helplessness, laziness, cowardice, and stinginess, all of which can hinder one's ability to manage financial matters effectively and maintain inner peace.
Source & Authentication
The Prophet Muhammad (peace be upon him) used to seek refuge in Allah from these matters, saying: '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.' (Sahih al-Bukhari 6369).