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 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-bukhli, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijali.
When to Read
This powerful supplication is ideal to recite in the morning and evening, as it encompasses seeking protection from a wide range of worldly and spiritual afflictions. It's particularly relevant when facing the burdens of debt or feeling overwhelmed by financial pressures, but its comprehensive nature makes it a daily shield for any Muslim.
How to Read
Recite this dua sincerely with full conviction in Allah's power to grant relief. It is recommended to raise your hands slightly while supplicating, as was the practice of the Prophet Muhammad ﷺ. Focus on the meaning of each phrase, truly seeking Allah's protection and assistance against these specific trials.
Virtues & Benefits
This hadith highlights the Prophet Muhammad's ﷺ profound wisdom in seeking comprehensive protection from Allah. By reciting this dua, we are not only asking for relief from the heavy burden of debt and the humiliation of being indebted or exploited by others, but also from internal struggles like worry, sadness, weakness, laziness, fear, and miserliness. These latter afflictions often exacerbate financial difficulties. Seeking refuge in Allah from 'the overpowering of men' (qahr ar-rijal) is a crucial plea against exploitation, unfair dealings, and the potential abuse of power that can lead to financial ruin. It's a holistic prayer for well-being, both material and spiritual.
Source & Authentication
Narrated Abu Hurairah: The Prophet ﷺ used to invoke Allah very often, saying: "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 worry and grief, 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.) Another narration adds: "And I seek refuge in You from the evil of all things and from being overcome in the pursuit of worldly affairs."