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 distress and sorrow, I seek refuge in You from helplessness 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-bukhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This comprehensive dua is excellent to recite regularly, especially in the morning and evening. It’s particularly pertinent during times of financial uncertainty or when facing potential financial burdens. Making it a habit can invoke Allah's protection against falling into overwhelming debt and other difficulties.
How to Read
Recite this dua with sincere intention and full reliance on Allah. It is best recited after the obligatory prayers or at any time you feel the need for Allah’s protection. Raise your hands slightly, as is customary for seeking refuge, and focus on the meaning of each phrase, truly seeking Allah’s help.
Virtues & Benefits
This dua, taught by the Prophet Muhammad ﷺ, is a powerful supplication that encompasses seeking refuge from several significant troubles. Specifically, the part 'wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal' (and I seek refuge in You from the overwhelming of debt and the subjugation of men) directly addresses the fear of accumulating unmanageable debt and the humiliation that can come with it. By seeking refuge in Allah, we acknowledge His power over all matters and trust in His plan to protect us from such hardships.
Source & Authentication
Narrated Abu Sa'id Al-Khudri: The Prophet (ﷺ) entered the mosque. He saw a man from amongst the Ansar called Abu Umamah. He asked: "O Abu Umamah, why are you sitting in the mosque when it is not the time for prayer?" He replied: "It is due to distress and debts that have burdened me, O Messenger of Allah." He said: "Shall I not teach you words with which, if you utter them, Allah will remove your distress and pay your debt?" He said: "Yes, O Messenger of Allah." He said: "Say in the morning and in the evening: 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." (Sahih al-Bukhari 5893)