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 helplessness and laziness. I seek refuge in You from cowardice and stinginess. And I seek refuge in You from the burden of debt and the overpowering 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 qahrir-rijali.
When to Read
This powerful dua is especially relevant when feeling overwhelmed by financial burdens, debt, or any situation that causes significant worry and distress. It's a comprehensive supplication that addresses not only debt but also the underlying emotional states that accompany it, making it beneficial to recite at any time you feel these pressures, particularly during times of hardship or when seeking Allah's help to overcome financial difficulties.
How to Read
Recite this dua with sincere intention and a humble heart. It is recommended to raise your hands in supplication as the Prophet Muhammad ﷺ would do. Focus on the meaning of each phrase, truly seeking refuge in Allah from these afflictions. It can be recited at any time, but is particularly potent when done after obligatory prayers or during the blessed hours of the night or day, such as before Fajr or after Asr. Consistent recitation is key.
Virtues & Benefits
This dua offers comprehensive protection from numerous spiritual and worldly ailments. By seeking refuge in Allah from 'the burden of debt and the overpowering of men,' we are directly asking for His help to alleviate our financial struggles and to protect us from being controlled or oppressed due to our circumstances. The preceding clauses seek refuge from worry, grief, helplessness, laziness, cowardice, and stinginess, all of which can contribute to or exacerbate debt problems. Thus, reciting this dua not only seeks direct relief from debt but also cultivates inner strength, resilience, and positive attributes that aid in overcoming challenges.
Source & Authentication
Narrated Anas: The Prophet (ﷺ) used to say, "O Allah, I seek refuge in You from worry and grief, from helplessness and laziness, from cowardice and miserliness, and from the overwhelming of debt and the overpowering of men." (Sahih al-Bukhari 5893)