اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
O Allah, suffice me with what You have made lawful, instead of what You have made unlawful, and enrich me with Your bounty, so that I may not need to ask from anyone other than You.
Allahumma-kfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwaka
When to Read
This dua is especially powerful when you are burdened by debt and facing difficulties in repaying it. It is particularly relevant when dealing with lenders who may be harsh or unjust, as it turns your focus to Allah's provision and protection. Recite it regularly, especially during times of financial stress, before facing your lender, or after seeking worldly means to settle your dues.
How to Read
Recite this dua with sincerity and conviction, raising your hands as you do so. Focus on the meaning and truly believe that Allah is the ultimate provider and protector. It's best recited after the obligatory prayers, or at any time you feel overwhelmed by your debt. Be sure to also be taking practical steps to earn and manage your finances, as the dua is a request for Allah's help in conjunction with your efforts.
Virtues & Benefits
This beautiful dua encapsulates a comprehensive plea for financial well-being and independence from reliance on others. By asking Allah to suffice us with His lawful provision, we are seeking protection from engaging in anything unlawful to meet our needs. The second part, 'enrich me with Your bounty, so that I may not need to ask from anyone other than You,' is a profound request for contentment and self-sufficiency through Allah's grace. It shifts our dependence from creation to the Creator, which brings immense peace and reduces the sting of dealing with difficult people, knowing our ultimate security lies with Allah.
Source & Authentication
Narrated by Ali ibn Abi Talib (may Allah be pleased with him): A man came to the Prophet Muhammad (peace be upon him) and said, "O Messenger of Allah, my wealth has diminished and my family has become dependent on me. I cannot repay my debts. The Prophet (peace be upon him) said: 'Shall I not teach you words that if you say them, Allah will remove your worries and pay your debts for you?' He said: 'Yes, do teach me.' The Prophet (peace be upon him) said: 'Say: Allahumma-kfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwaka.' (O Allah, suffice me with what You have made lawful, instead of what You have made unlawful, and enrich me with Your bounty, so that I may not need to ask from anyone other than You.)" This hadith was graded Hasan by Tirmidhi and Al-Albani.