اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَغَلَبَةِ الْعَدُوِّ وَشَمَاتَةِ الأَعْدَاءِ.
O Allah, I seek refuge in You from the overwhelming burden of debt, the overpowering of enemies, and the malice of enemies.
Allahumma inni a'udhu bika min ghalabatid-dayni wa ghalabatil-'aduwwi wa shamatatil-a'daa'.
When to Read
This dua is particularly potent when you are struggling with debt, especially when facing difficulties in generating halal income. Recite it frequently during times of stress, after your obligatory prayers, or whenever you feel the weight of your financial burdens increasing.
How to Read
Utter this supplication with sincerity and conviction. Raise your hands as you make dua, a practice of seeking help from Allah. Imagine yourself being freed from the chains of debt. Make it a habit, especially in the quiet moments of the night or after completing your Fardh prayers. Understand that Allah (SWT) is the ultimate provider, and this dua is a way to consciously seek His assistance when worldly means seem insufficient.
Virtues & Benefits
This dua directly addresses the severe affliction of debt, asking Allah for protection against its crushing weight. By seeking refuge, we acknowledge our limitations and place our trust in Allah's power to alleviate our distress. When facing challenges in earning halal income, this dua helps maintain hope and perseverance, reminding us that Allah is the true source of sustenance. The Prophet Muhammad ﷺ taught us this supplication to guard against the very real spiritual and worldly consequences of overwhelming debt.
Source & Authentication
Narrated by Abdullah bin Abu Aufa (may Allah be pleased with him): The Prophet Muhammad ﷺ used to say: 'Allahumma inni a'udhu bika min ghalabatid-dayni wa ghalabatil-'aduwwi wa shamatatil-a'daa'. (O Allah, I seek refuge in You from the overwhelming burden of debt, the overpowering of enemies, and the malice of enemies).' Sunan An-Nasa'i, Book 47, Hadith 5464. Graded as Hasan by some scholars.