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 overwhelming of debt and the subjugation 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 especially potent when facing the burden of debt, particularly when that debt stems from overspending or extravagance. Recite it regularly, perhaps after your obligatory prayers, or at any time you feel the weight of your financial obligations pressing down. It's a plea to Allah for protection not just from the debt itself, but from the negative states of mind and spirit that often accompany it.
How to Read
Recite this dua with sincerity and conviction, directing your plea to Allah alone. Visualize yourself being freed from the shackles of debt and the distress it causes. Raising your hands during the supplication is a Sunnah practice that can enhance its earnestness. Trust in Allah's promise to respond to the one who calls upon Him.
Virtues & Benefits
This comprehensive dua, taught by the Prophet Muhammad ﷺ himself, seeks refuge in Allah from several debilitating issues. By seeking refuge from 'ghalabatid-dayn' (overwhelming debt) and 'qahrir-rijal' (the subjugation of men, which can include being pressured by creditors or societal demands due to debt), we are asking for Allah's direct intervention. This not only helps in alleviating the financial burden but also protects our peace of mind and prevents situations where debt might lead to humiliation or loss of respect. It's a powerful tool to invoke Allah's mercy when facing difficulties, especially those born from our own excess.
Source & Authentication
The Prophet Muhammad ﷺ used to seek refuge with Allah in these words: '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 overwhelming of debt and the subjugation of men.)