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 incapacity 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-bukhl, wa a'udhu bika min ghalabad-dayni wa qahrir-rijal.
When to Read
This dua is particularly potent when facing overwhelming debt, especially when that debt is a consequence of harmful actions like gambling, which Allah has forbidden. Recite it in the quiet moments of your day, after your obligatory prayers, or whenever you feel the weight of your financial burdens and the spiritual stain of your past actions. Making it a regular practice can bring immense comfort and a renewed sense of purpose.
How to Read
Make a sincere intention to repent and turn away from gambling. Utter this dua with conviction, focusing on each phrase and its meaning. Imagine seeking Allah's protection from the specific difficulties mentioned. It's also important to pair this dua with tangible efforts to repay the debt, seek lawful earnings, and make amends where possible. Remember that duas are a means, not a magic wand; they work best when combined with sincere action and steadfastness.
Virtues & Benefits
This comprehensive dua, taught by the Prophet Muhammad ﷺ himself, seeks refuge from several afflictions that can plague a person. Specifically, it addresses the 'burden of debt' (ghalabad-dayn) and the 'overpowering of men' (qahrir-rijal), which can include the pressure from creditors or the shame of being indebted. By seeking refuge in Allah from these, we acknowledge our reliance on Him and His ability to alleviate our suffering. Furthermore, by seeking refuge from anxiety, sorrow, incapacity, laziness, cowardice, and stinginess, we ask for spiritual and emotional strength to face our challenges, including the repentance and cleansing required after falling into sins like gambling.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and miserliness, from the heavy burden of debt and from being overpowered by men (or women)." (Sahih al-Bukhari 7391)