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 overwhelming of debt and the subjugation of men.
Allahumma inni a'udhu bika minal-hammi wal-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-buhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal.
When to Read
This dua is powerful to recite daily, especially in the morning and evening. It's particularly potent when facing financial hardship, the burden of debt, or feelings of being overwhelmed by one's obligations. Make it a habit whenever you feel the weight of worldly concerns pressing down.
How to Read
Recite this dua with sincerity and conviction, understanding the deep meaning of seeking Allah's protection. Raise your hands as you would in supplication. Focus on the words and the gravity of seeking refuge from these specific afflictions, especially the burden of debt and the feeling of being overpowered. It is a plea for inner peace and outer relief.
Virtues & Benefits
This supplication, taught by the Prophet Muhammad ﷺ himself, is a comprehensive shield against significant life stressors. By seeking refuge in Allah from debt's overwhelming nature ('ghalabatid-dayn') and the harshness of others ('qahrir-rijal'), we are not just asking for financial solutions, but for spiritual resilience. It helps alleviate the anxiety and sorrow that often accompany financial distress, fostering a sense of calm and reliance on the Creator.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "Allahumma inni a'udhu bika minal-hammi wal-hazan, wa a'udhu bika minal-'ajzi wal-kasal, wa a'udhu bika minal-jubni wal-buhl, wa a'udhu bika min ghalabatid-dayni wa qahrir-rijal." (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 overwhelming of debt and the subjugation of men.)