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 dua is particularly relevant when facing overwhelming financial difficulties, the anxiety that comes with debt, and the feeling of being powerless or disrespected due to financial ruin. It's a comprehensive supplication to seek Allah's protection against the various emotional and practical burdens associated with such a state.
How to Read
Recite this dua with sincerity and conviction, ideally after every obligatory prayer, or during times of intense distress. Raise your hands as you supplicate, conveying your need and reliance on Allah alone. Reflect on the meanings of each phrase, truly seeking refuge in Allah from these afflictions.
Virtues & Benefits
This dua provides comprehensive protection from severe emotional distress (worry and grief), personal weaknesses (helplessness and laziness), character flaws (cowardice and stinginess), and the crushing weight of debt and the humiliation that can accompany it. By seeking refuge in Allah, we acknowledge His power to alleviate our burdens and restore our dignity.
Source & Authentication
Anas (may Allah be pleased with him) narrated that the Prophet (peace be upon him) used to supplicate: '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.' (Sahih al-Bukhari 6369). This hadith highlights the Prophet's ﷺ own practice of seeking Allah's protection from these specific ailments, demonstrating their significance.