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 overwhelming of debt and the coercion 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 dua is particularly potent when facing the heavy burden of debt and the anxiety that comes with it. Recite it diligently, especially in the morning and evening, or whenever you feel the weight of your financial obligations and the pressure from creditors. It's a way to actively seek Allah's protection and assistance in managing your affairs.
How to Read
Recite this supplication with sincerity and conviction, raising your hands in supplication as the Prophet Muhammad ﷺ used to do. Understand the meaning of each phrase and reflect on your need for Allah's help. It's beneficial to say it regularly, particularly after the prescribed prayers, to integrate Allah's remembrance into your daily life.
Virtues & Benefits
This comprehensive dua seeks Allah's protection from several significant burdens. Seeking refuge from 'ghalabatid-dayn' (the overwhelming of debt) is a direct plea for financial relief and stability. 'Qahrir-rijal' (the coercion of men) specifically addresses protection from being unjustly treated, pressured, or dominated by others, including creditors. By seeking refuge in Allah, we acknowledge our dependence on Him and trust in His ability to ease our difficulties and shield us from harm.
Source & Authentication
Narrated Anas bin Malik (may Allah be pleased with him): The Prophet (ﷺ) used to say, '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 overwhelming of men.' (Sahih al-Bukhari 5403)