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 burden of debt and the tyranny 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 ghalabatid-dayni wa qahrir-rijal.
When to Read
This dua is profoundly beneficial when feeling overwhelmed by debt or facing financial hardship. It's recommended to recite it regularly, especially after prayers, during times of distress, or when seeking Allah's help to alleviate financial burdens and find sources of income. It addresses the emotional toll of debt (worry and grief) as well as the practical aspect of overwhelming financial obligation.
How to Read
Recite this dua with sincere intention and conviction. Begin by seeking refuge in Allah (a'udhu billah) and uttering Bismillah. Raise your hands if appropriate and implore Allah with humility. It's also beneficial to combine this with sincere repentance, seeking lawful means of earning, and practicing patience and gratitude, even in difficult times.
Virtues & Benefits
This comprehensive dua, taught by the Prophet Muhammad ﷺ himself, directly seeks Allah's protection from key sources of distress: worry and grief, helplessness and laziness, cowardice and stinginess, and crucially, the overwhelming burden of debt and the subjugation by people (often due to debt). By seeking refuge in Allah from these, we acknowledge His power to remove these afflictions and provide relief, whether through settling debts or opening new avenues for sustenance.
Source & Authentication
The Prophet Muhammad ﷺ used to seek refuge in Allah from these things. Al-Bukhari (4427) narrated from Anas (may Allah be pleased with him) that the Prophet ﷺ used to say: "O Allah, I seek refuge in You from worry and grief, helplessness and laziness, cowardice and stinginess, the overwhelming burden of debt and the tyranny of men."