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 incapacity and laziness, I seek refuge in You from cowardice and stinginess, and I seek refuge in You from being overwhelmed by debt and by the domination 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 qahri-rijal.
When to Read
This comprehensive dua is perfect to recite during times of distress, particularly when facing significant debt. It's a powerful supplication to make after any obligatory prayer, or at any point during the day when you feel the weight of your financial obligations or the anxiety of debt settling in. Recite it with sincerity and firm conviction in Allah's ability to ease your burden.
How to Read
Recite this dua with a sincere heart and a focused mind. Begin by seeking refuge in Allah (Istia'dhah) as the Prophet ﷺ taught. Reflect on each phrase, truly feeling the need for Allah's protection from these afflictions. When asking for relief from debt, visualize your situation being resolved by Allah's grace. It is also recommended to follow this with specific duas for the lost item, perhaps by reciting Ayatul Kursi and then asking Allah to return what was lost.
Virtues & Benefits
This dua encompasses seeking protection from major spiritual and worldly ailments. By seeking refuge from worry and grief, we guard our hearts. Protection from incapacity and laziness helps us take productive steps. Seeking refuge from cowardice and stinginess strengthens our character. Most importantly for this topic, seeking refuge from being overwhelmed by debt and the domination of men directly addresses the anxieties of financial hardship and the potential humiliation that can come with it. Allah's help is the ultimate solution to any problem.
Source & Authentication
Narrated Abu Huraira: The Prophet (ﷺ) used to invoke Allah frequently, saying, "O Allah, I seek refuge in You from worry and grief, from incapacity and laziness, from cowardice and stinginess, and from being overwhelmed by debt and dominated by men." Sahih al-Bukhari 2893