اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَغَلَبَةِ الْعَدُوِّ، وَغَلَبَةِ الشَّقَاءِ، وَشَمَاتَةِ الأَعْدَاءِ.
O Allah, I seek refuge in You from the overwhelming burden of debt, from being overcome by the enemy, from the overwhelming misery, and from the rejoicing of enemies.
Allahumma inni a'udhu bika min ghalabatid-dayni wa ghalabatil-'aduwwi wa ghalabatish-shaqaa'i wa shamaatatil-a'daa'.
When to Read
This dua is profoundly relevant when facing the immense pressure of debt, especially when that debt has been exacerbated or directly caused by devastating events like natural disasters that destroy one's means of livelihood. Recite it during times of deep distress, after seeking practical solutions for your situation, and as a consistent supplication during your daily prayers, particularly after the Fard prayers when duaa is readily accepted.
How to Read
Recite this dua with sincere conviction and humility. Raise your hands in supplication as you do for other du'as, facing the Qiblah if possible. Imagine the weight of the debt and the hardship caused by the disaster, and pour your heart out to Allah. Remember that Allah tests us, and this dua is a means of seeking His direct intervention and relief, acknowledging that true strength comes from Him alone.
Virtues & Benefits
This dua, taught by our beloved Prophet Muhammad ﷺ, directly addresses some of the most significant burdens a person can face: overwhelming debt, enemy subjugation, and deep misery. By seeking refuge in Allah from these, we acknowledge His power over all circumstances. Relief from debt is not just financial; it is also psychological and spiritual freedom. This supplication is a powerful tool to remind us that even in the face of overwhelming loss, like that caused by natural disasters destroying our livelihoods, Allah is the ultimate source of relief and a refuge from hardship.
Source & Authentication
The Prophet Muhammad ﷺ used to seek refuge with Allah from these four things: 'Allahumma inni a'udhu bika min ghalabatid-dayni wa ghalabatil-'aduwwi, wa ghalabatish-shaqaa'i, wa shamaatatil-a'daa'. (O Allah, I seek refuge in You from the overwhelming burden of debt, from being overcome by the enemy, from the overwhelming misery, and from the rejoicing of enemies).