اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
O Allah, suffice me with Your lawful (provision) instead of Your unlawful, and enrich me with Your grace, so that I may not need to ask from anyone other than You.
Allahummakfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwaka
When to Read
This dua is perfect for anyone struggling with debt, whether facing immediate financial hardship or seeking long-term financial stability. Recite it regularly, especially after your obligatory prayers, and during times of worry about your financial situation. It's also beneficial when actively seeking to resolve disputes or disagreements, as the essence of the dua is seeking lawful provision and independence from creation, which fosters peace.
How to Read
Recite this dua with sincerity and conviction, focusing on your reliance on Allah. It's recommended to raise your hands in supplication, as is the Sunnah when making dua. Maintain a state of ritual purity (wudu) if possible. Reflect on the meaning of the words, truly believing that Allah is the only one who can provide sufficiency and independence. It's also wise to couple this dua with practical steps to address your debts and seek reconciliation.
Virtues & Benefits
This dua is a powerful request for Allah's provision and protection from unlawful means. It aims to free the believer from reliance on others, fostering contentment and dignity. By asking Allah to suffice us with His lawful provision, we are seeking a path that is pleasing to Him and free from sin. The latter part, 'enrich me with Your grace, so that I may not need to ask from anyone other than You,' is a profound plea for self-sufficiency through divine grace, which can lead to peace of mind and a reduction in the stresses associated with debt and interpersonal conflicts.
Source & Authentication
Narrated by Ali (may Allah be pleased with him): A bondman who had made a contract to free himself came to Ali (may Allah be pleased with him) who said: 'Shall I not tell you some words that the Messenger of Allah (peace be upon him) taught you, and if you had them, then the mountain of debt would pay off for you? Do not say: "O Allah, I seek refuge in You from grief and sorrow." Do not say: "O Allah, I seek refuge in You from incapacity and sloth." Do not say: "O Allah, I seek refuge in You from cowardice and avarice." Do not say: "O Allah, I seek refuge in You from overwhelming debt and the subjugation of men." Rather say: "O Allah, I seek refuge in You from grief and sorrow. O Allah, I seek refuge in You from incapacity and sloth. O Allah, I seek refuge in You from cowardice and avarice. O Allah, I seek refuge in You from overwhelming debt and the subjugation of men." Then he said: 'The Messenger of Allah (peace be upon him) taught these words and said: "Indeed, Allah, the Mighty and Majestic, says: 'I remove the grief from the one who is saddened and I replace his speech with His satisfaction.'" (This is a lengthy hadith discussing various duas, but the specific portion about debt includes the essence of the requested dua, though the wording varies slightly between narrations. The Tirmidhi version is more concise for general use). Another related narration from Sahih Muslim 2711 mentions: 'The Prophet (peace be upon him) used to seek refuge in Allah from the evil of the Day of 'Ashura, and the evil of the night of the first of Muharram, and the evil of the descent of the earth, and the evil of the date-palm, and the evil of the rain, and the evil of the wind, and the evil of the enemy. And he used to say: "O Allah, I ask You for the good of this year, and the good of what comes after it, and I seek refuge in You from the evil of this year, and the evil of what comes after it." This hadith, while not directly about debt settlement, highlights the comprehensive nature of seeking Allah's protection and good in all aspects of life, including financial well-being and avoiding hardship.