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 oppression 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 powerful supplication can be recited anytime, but it is particularly beneficial to turn to it during moments of distress, especially when facing the overwhelming burden of debt. Recite it regularly, perhaps after your obligatory prayers, or at any time you feel the weight of your financial struggles.
How to Read
Make this dua with sincerity and conviction. Focus on the meaning of each phrase and truly seek Allah's protection. Understand that this dua is a direct teaching from our beloved Prophet Muhammad ﷺ, showing us the importance of seeking refuge in Allah from specific worldly trials, including debt. Raising your hands slightly while making dua is also a recommended etiquette.
Virtues & Benefits
This dua is a comprehensive seeking of refuge in Allah from various trials that can plague a person. By specifically asking for protection from 'the burden of debt and the oppression of men,' the Prophet ﷺ highlighted how crippling debt can be, not just financially but also emotionally and socially. Reciting this dua consistently can bring immense peace of mind, strengthen your resolve, and open avenues for Allah to alleviate your financial hardship. It's a profound way to acknowledge your need for Allah's help and seek His direct intervention in your affairs, following the guidance of the Sunnah.
Source & Authentication
Narrated Abu Huraira: The Prophet (ﷺ) 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 ghalabatid-dayni wa qahrir-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 burden of debt and the oppression of men.) Sahih al-Bukhari 4423