اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَغَلَبَةِ الْعَدُوِّ وَشَمَاتَةِ الأَعْدَاءِ
O Allah, I seek refuge in You from the burden of debt, from being overcome by enemies, and from the rejoicing of enemies.
Allahumma inni a'udhu bika min ghalabatid-dayni wa ghalabatil-'aduwwi wa shamatatil-a'daa'
When to Read
This powerful supplication is best recited after the obligatory prayers (Fardh Salah). It's also beneficial to make this dua when facing financial worries or when you feel the pressure of debt accumulating. Reciting it regularly, especially in the morning and evening, can help invoke Allah's protection against the overwhelming nature of debt.
How to Read
Recite this dua with sincerity and conviction, truly feeling the need for Allah's assistance. Raise your hands in supplication as you do during Salah, or place your right hand on your chest over your heart while reciting. Focus on the meaning and understand that true relief comes only from Allah. It is recommended to be in a state of Wudu (ablution) when making dua.
Virtues & Benefits
This dua directly addresses three significant potential burdens in a Muslim's life: overwhelming debt, defeat by enemies, and the taunting of adversaries. By seeking refuge in Allah from these, the believer asks for His divine protection and ease. Debt can be a source of immense stress, impacting one's peace of mind and even their ability to worship properly. The Prophet Muhammad ﷺ, who was the most God-conscious and sought refuge in Allah more than anyone, taught us this specific supplication, highlighting its importance. It's a proactive way to seek Allah's covering from hardship and humiliation.
Source & Authentication
Yahya related to me from Malik, from Ibn Shihab, from Sa'id ibn al-Musayyab that the Messenger of Allah, may Allah bless him and grant him peace, used to seek refuge in Allah from the evil of what was done, and from the evil of what was not done. He used to seek refuge in Allah from straying or being led astray, from making a slip or causing a slip, from wronging or being wronged, from being ignorant or being treated with ignorance. He used to seek refuge in Allah from the burden of debt and the burden of enemies and the evil outcome of affairs. Yahya said, 'Malik said, 'And Allah knows best about the 'evil of what was not done'.' This narration in Sahih Muslim (927) is slightly different but contains the core meaning, and the specific wording for debt protection is found in Sunan An-Nasa'i.