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 the overwhelming 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 can be recited at any time, especially during your daily prayers (after the *tashahhud* and before the *tasleem*), or at any moment you feel overwhelmed by financial concerns, worries about debt, or the fear of being indebted. It's particularly relevant when facing financial hardship or anticipating potential future burdens.
How to Read
Recite this dua with sincere conviction, understanding the meaning behind each phrase. Raise your hands slightly as you supplicate, just as the Prophet Muhammad ﷺ would do for certain duas. Focus your heart on Allah, acknowledging that He alone is the disposer of all affairs and the ultimate provider. Try to say it consistently, perhaps making it a part of your morning or evening remembrance.
Virtues & Benefits
This supplication, taught by the Prophet Muhammad ﷺ, offers comprehensive protection. It not only asks for relief from the crushing weight of debt ('overwhelming of debt') but also from the distress it causes ('worry and grief'). It seeks strength against the factors that can lead to debt, such as laziness and helplessness, and protection from external pressures like the 'subjugation of men' (which can include oppressive creditors or circumstances that force one into undesirable situations). By seeking refuge in Allah, we are entrusting our affairs to the most capable.
Source & Authentication
The Prophet Muhammad ﷺ used to supplicate: '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.' (Sahih al-Bukhari 1830)