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 helplessness and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and oppressed by 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-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This powerful dua is recited when one is burdened by debt and feels the weight of financial pressure. It is particularly poignant when facing the added distress of false accusations, as the 'oppressed by men' aspect directly addresses such unfair treatment. You can make this dua during your daily prayers, after completing your obligatory salah, or at any time you feel overwhelmed and in need of Allah's protection and relief.
How to Read
Make this supplication with sincerity and conviction. Face the Qiblah if possible, raise your hands as you would during prayer, and implore Allah with a humble heart. Understand the meaning of each phrase as you recite it, focusing on seeking Allah's refuge from these specific afflictions. Repeating it consistently can strengthen your resolve and reliance on Allah.
Virtues & Benefits
This dua offers comprehensive protection. By seeking refuge from 'distress and sorrow,' we shield our hearts and minds. Protection from 'helplessness and laziness' equips us to take necessary actions. Seeking refuge from 'cowardice and stinginess' purifies our character. Most importantly for this context, seeking refuge from 'being overwhelmed by debt and oppressed by men' directly addresses financial burdens and unjust accusations, invoking Allah's divine intervention for relief and justice.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "Allahumma inni a'udhu bika minal-hammi wal-hazani, wa a'udhu bika minal-'ajzi wal-kasali, wa a'udhu bika minal-jubni wal-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal." (O Allah, I seek refuge in You from distress 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 being overwhelmed by debt and oppressed by men.) Sahih al-Bukhari 6369.