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 distress 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 being overcome by 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 ghalabad-dayni wa qahrir-rijali.
When to Read
This powerful dua is specifically recommended to be recited when facing overwhelming difficulties, including the heavy burden of debt, especially when that debt was incurred to provide for one's family. It's suitable to be read at any time, but particularly beneficial during moments of distress, after obligatory prayers, or during the blessed times like the last third of the night.
How to Read
Recite this dua with sincere intention and a humble heart. Focus on the meaning of each phrase as you utter it. It's recommended to raise your hands slightly as you seek refuge in Allah. Persistence is key, so make it a regular practice until Allah grants you ease.
Virtues & Benefits
This dua encompasses seeking protection from significant emotional and practical burdens. By seeking refuge from 'ghalabad-dayn' (being overcome by debt), we are asking Allah to protect us from the overwhelming pressure and hardship that debt can bring. The mention of 'qahrir-rijal' (subjugation of men) can also relate to the feeling of being indebted to others or being controlled by circumstances and people due to financial obligations. Reciting this dua can bring immense peace of mind, knowing that you are entrusting your affairs to Allah, the Ultimate Provider and Solver of all problems. It's a way to acknowledge our own limitations and turn to the One who has absolute power over all things.
Source & Authentication
Narrated Abu Huraira: The Prophet (ﷺ) used to invoke Allah by saying: "O Allah, I seek refuge in You from distress 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 being overcome by debt and subjugated by men." (Sahih al-Bukhari 4423)