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-rijal.
When to Read
This comprehensive dua is perfect to recite when you feel overwhelmed by financial responsibilities, especially when debt weighs heavily on you and you are supporting others. Recite it in the morning and evening, after your obligatory prayers, or whenever you feel the burden intensely.
How to Read
Recite this dua with sincere conviction and a focused heart, acknowledging Allah's power to relieve all burdens. Raise your hands in supplication, a sign of dependence on your Creator. Believe that Allah hears your plea and has the power to grant ease. This dua is part of the Prophet Muhammad's ﷺ daily supplications, showing us its importance and efficacy.
Virtues & Benefits
This dua encompasses seeking refuge from several major spiritual and worldly afflictions. By specifically asking for protection from 'the burden of debt and the overpowering of men' (ghalabatid-dayni wa qahrir-rijal), we are directly addressing the immense pressure and potential humiliation that debt can bring, particularly when it affects our ability to provide for our families or dependents. This supplication not only seeks financial relief but also protection from the mental and emotional distress associated with such hardship, and the potential oppression that can arise from financial inability.
Source & Authentication
Narrated Anas bin Malik (may Allah be pleased with him): The Prophet Muhammad (peace be upon him) used to say: '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-wayni wa qahrir-rijal.' (O Allah, I seek refuge in You from worry and grief, helplessness and laziness, cowardice and stinginess, and the burden of debt and the overpowering of men.)