اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَغَلَبَةِ الْعَدُوِّ وَشَمَاتَةِ الأَعْدَاءِ
O Allah, I seek refuge in You from being overcome by debt, from being overcome by the enemy, and from the malicious joy of enemies.
Allahumma inni a'udhu bika min ghalabatid-dayni wa ghalabatil-'aduwwi wa shamatatil-a'daa'
When to Read
This powerful supplication is particularly relevant when you feel the pressure of accumulating debt, or when contemplating taking on financial obligations that might be burdensome. Recite it daily, especially after your obligatory prayers, to seek Allah's protection against the overwhelming burden of debt and the distress it can cause.
How to Read
Make this dua with sincere intention and heartfelt conviction. Raise your hands as you do for other supplications. Believe that Allah has the power to protect you from all forms of hardship, including the heavy weight of debt. It's best to recite it consistently as part of your remembrance of Allah (dhikr).
Virtues & Benefits
This dua offers comprehensive protection. Seeking refuge in Allah from the 'overcoming of debt' (ghalabatid-dayn) is a direct plea for financial stability and the ability to avoid situations that lead to insurmountable debt. It also connects financial well-being to overall protection, as the Prophet ﷺ sought refuge from the 'overcoming of the enemy' and the 'malicious joy of enemies,' indicating that financial hardship can leave one vulnerable. By reciting this, you are asking Allah to grant you the strength and wisdom to manage your finances responsibly and to protect you from financial ruin.
Source & Authentication
Narrated 'Aisha (may Allah be pleased with her): The Prophet Muhammad ﷺ used to supplicate, "O Allah, I seek refuge in You from the torment of the Hellfire and from the punishment of the grave, and from the evil of the test of Al-Masih Ad-Dajjal and from the evil of the test of the life and the death. O Allah, I seek refuge in You from sin and from debt." A person said to him, "O Allah's Messenger ﷺ! What is wrong with seeking refuge from debt?" He said, "A debtor, when he talks, he tells lies and when he promises, he breaks it." Another narration from Sahih al-Bukhari 6306 states: The Prophet ﷺ used to say: > **Arabic:** اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَغَلَبَةِ الْعَدُوِّ وَشَمَاتَةِ الأَعْدَاءِ > **Translation:** "O Allah, I seek refuge in You from being overcome by debt, from being overcome by the enemy, and from the malicious joy of enemies."