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 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 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-bukhl, wa a'udhu bika min ghalabad-dayni wa qahri ar-rijali.
When to Read
This powerful dua is for anyone struggling with debt, especially when it feels overwhelming and other avenues have been exhausted. It's particularly suited for times of deep concern and when facing financial hardship that leads to stress and anxiety. Recite it with sincere intention and conviction whenever the burden of debt weighs heavily on your mind.
How to Read
Recite this dua with a sincere heart and a firm belief in Allah's ability to relieve your distress. It's best recited after your obligatory prayers, or during times of personal supplication (like when making sujood). Raise your hands in supplication if possible, and focus on the meaning of each phrase, truly seeking Allah's refuge from these afflictions. Consistency is key; make it a habit during your daily duas.
Virtues & Benefits
This dua directly addresses the heavy burdens of debt and the despair that can accompany it. By seeking refuge in Allah from 'overwhelming debt and the subjugation of men,' we acknowledge that true relief comes only from Him. The Prophet Muhammad ﷺ taught this dua, indicating its profound benefit in seeking Allah's protection not just from the debt itself, but from the mental and emotional distress it causes (worry, grief, incapacity, laziness, cowardice, stinginess). It’s a comprehensive plea that encompasses spiritual, emotional, and financial well-being.
Source & Authentication
Narrated Anas bin Malik (may Allah be pleased with him): The Prophet (peace be upon him) 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 ghalabad-dayni wa qahri ar-rijal." (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 overwhelming of debt and the subjugation of men.)