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 overwhelming of debt and the subjugation 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 qahrir-rijali.
When to Read
This is a powerful dua the Prophet Muhammad ﷺ would recite regularly, especially when facing difficulties like accumulating debt. When the weight of long-term debt feels heavy, and you find yourself worrying about payments and the future, recite this dua. It's particularly relevant when you feel overwhelmed by the scale of the debt or the pressure from creditors. Make it a habit, perhaps after each obligatory prayer, to seek Allah's help in navigating this challenge with patience and peace of mind.
How to Read
Recite this dua with sincerity and conviction, focusing on each phrase and its meaning. Raise your hands in supplication as the Prophet ﷺ did when making dua. Imagine seeking Allah's protection from the distress that debt can bring. Remember that dua is a direct conversation with Allah; speak to Him from your heart, acknowledging your need and His power to help. Be consistent in your recitation.
Virtues & Benefits
This comprehensive dua addresses several potential struggles associated with debt. Seeking refuge from 'worry and grief' helps maintain mental and emotional well-being, which is crucial when facing financial strain. Asking protection from 'incapacity and laziness' encourages taking proactive steps towards repayment. Shielding oneself from 'cowardice and stinginess' fosters the courage to face financial challenges head-on and the wisdom to manage resources. Most importantly, directly seeking refuge from 'the overwhelming of debt and the subjugation of men' is a profound plea for Allah's intervention to ease the burden and prevent situations where one is brought low by financial obligations or the actions of others due to debt.
Source & Authentication
Anas (may Allah be pleased with him) narrated: The Prophet (ﷺ) used to say, "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 overwhelming of debt and the subjugation of men.) Sahih al-Bukhari 6369