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 grief 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 burden of debt and the overpowering 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
Recite this dua during times of distress, especially when facing the heavy burden of debt resulting from a failed business venture. It is particularly potent when said after every obligatory prayer and during the late hours of the night when supplication is highly regarded. Make it a consistent part of your daily remembrance, especially when you feel overwhelmed by financial pressures and the challenges of business failure.
How to Read
Make sincere intention to seek Allah's help. Raise your hands in supplication as was the practice of the Prophet ﷺ. Utter the words with a humble and hopeful heart, focusing on the meaning and seeking Allah's divine intervention. Believe that Allah is capable of removing your worries and easing your burdens. Afterward, continue to strive to improve your financial situation through lawful means, and trust in Allah's plan.
Virtues & Benefits
This comprehensive dua encompasses seeking refuge from various hardships that can affect one's well-being and ability to overcome challenges. Specifically seeking refuge from the burden of debt ('ghalabatid-dayn') and the overpowering of people ('qahrir-rijal') directly addresses the anxieties that can arise from financial ruin and the potential for exploitation or humiliation. By reciting this, one is actively seeking Allah's protection against these profound difficulties, paving the way for spiritual and material relief.
Source & Authentication
Narrated Anas (may Allah be pleased with him): The Prophet (ﷺ) used to invoke (Allah) frequently saying: '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. I seek refuge in You from the overwhelming burden of debt and from being overcome by men.' (Sahih al-Bukhari 6369)