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 weakness and laziness. I seek refuge in You from cowardice and stinginess. And I seek refuge in You from being overwhelmed by debt and overcome by men (oppression).
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 comprehensive dua is powerful to recite during times of significant financial stress, when facing overwhelming debt, or after making financial mistakes you wish to repent for. It's particularly potent afterobligatory prayers, during the night, or at any moment you feel the weight of your burdens.
How to Read
Recite this dua with sincerity and full conviction. Understand the meaning of each phrase you utter. Raise your hands in supplication as was the practice of the Prophet Muhammad ﷺ. Focus your heart on Allah and His ability to relieve your distress and forgive your shortcomings. The Prophet ﷺ would often repeat this dua, showing its importance and the earnestness with which we should approach it.
Virtues & Benefits
This supplication addresses both the internal struggles (worry, grief, weakness, laziness, cowardice, stinginess) and the external pressures (debt, oppression). By seeking refuge in Allah from these, we acknowledge His power over all matters and His ability to provide solutions. It’s a dua that not only asks for debt relief but also for strength of character to avoid future financial pitfalls and the fortitude to deal with life's challenges. It also encompasses a plea for protection against being overwhelmed or humiliated by others, often a consequence of severe debt.
Source & Authentication
Anas (may Allah be pleased with him) reported: 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 being overpowered by debt and overcome by men (oppression)." (Sahih al-Bukhari 6369)