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 take refuge in You from worry and grief, and I take refuge in You from weakness and laziness, and I take refuge in You from cowardice and stinginess, and I take refuge in You from being overwhelmed by debt and being overcome 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-bukhli, wa a'udhu bika min ghalabad-dayni wa qahri ar-rijal.
When to Read
Recite this dua regularly, especially during times of financial hardship, economic downturns, or when facing overwhelming debt. It's a powerful supplication to seek Allah's protection and relief from burdens.
How to Read
Recite this dua with sincere intention and conviction, focusing on the meaning of each phrase. It is best to recite it after the obligatory prayers (Salah) or at any time you feel the need for Allah's assistance. Make sure you are in a state of purity if possible, though the primary condition is sincerity of the heart.
Virtues & Benefits
This dua directly addresses seeking refuge from debt and the distress it causes. By reciting it, we acknowledge our reliance on Allah and ask for His direct intervention to alleviate our financial burdens and protect us from the humiliation that can accompany being heavily indebted. The Prophet Muhammad ﷺ taught this dua to his companions, indicating its profound importance in seeking relief from significant life challenges.
Source & Authentication
The Prophet Muhammad (peace be upon him) used to seek refuge in Allah with these words: '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 ghalabad-dayni wa qahri ar-rijal.' (O Allah, I take refuge in You from worry and grief, and I take refuge in You from weakness and laziness, and I take refuge in You from cowardice and stinginess, and I take refuge in You from being overwhelmed by debt and being overcome by men.)