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 anxiety 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 domination 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 dua is perfect to recite anytime, especially when facing financial worries, feeling overwhelmed by debt, or fearing that creditors might take advantage of your situation. It's a powerful supplication to seek Allah's protection before and during times of financial hardship.
How to Read
Recite this dua with sincerity and conviction, raising your hands slightly if possible. Focus on the meaning of each phrase, truly asking Allah for His protection and relief. It's beneficial to make this a regular part of your daily supplications, perhaps after your obligatory prayers.
Virtues & Benefits
This comprehensive dua, taught by the Prophet Muhammad ﷺ to his companion Abu Bakr (may Allah be pleased with him), directly addresses the fear of overwhelming debt ('ghalabatid-dayn') and the potential for creditors to oppress or exploit debtors ('qahrir-rijal'). By seeking refuge in Allah from these specific trials, we acknowledge His power to alleviate our burdens and protect us from unjust treatment.
Source & Authentication
Anas (may Allah be pleased with him) reported: I heard the Prophet Muhammad ﷺ saying this dua: '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.' (O Allah, I seek refuge in You from anxiety 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 domination of men.) Abu Bakr As-Siddiq (may Allah be pleased with him) said to the Prophet Muhammad ﷺ: 'O Messenger of Allah, I have been afflicted by an issue of debt, teach me a dua.' The Prophet Muhammad ﷺ said to him: 'Say: Allahumma inni a'udhu bika minal-hammi wal-hazani...' (Sahih al-Bukhari 5077)