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 burden of debt and the domination 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahri-rijali
When to Read
This powerful dua is best recited after every obligatory prayer, or during times of personal reflection and supplication. It's particularly relevant when one is struggling with financial burdens, including debt, or feels overwhelmed by financial hardship. Making this dua consistently can bring peace of mind and strength to face challenges.
How to Read
Recite this dua with sincerity and conviction, focusing on the meaning of each phrase. Raising your hands in supplication, as was the practice of the Prophet Muhammad ﷺ, can enhance the feeling of reliance on Allah. Remember that dua is a conversation with your Creator, so speak to Him from your heart. Ensure you are in a state of purity if possible, facing the Qiblah.
Virtues & Benefits
This dua encompasses seeking refuge from multiple anxieties, including financial distress (burden of debt and domination by men). By seeking refuge in Allah from these afflictions, one is not only asking for relief from the debt itself but also for the mental strength and fortitude to overcome the challenges associated with it. It also protects against feelings of helplessness and oppression that can accompany heavy debt.
Source & Authentication
Anas (may Allah be pleased with him) reported that the Prophet Muhammad ﷺ used to supplicate frequently: '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 ghalabatid-dayni wa qahri-rijali.' (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 burden of debt and the domination of men).