You will see investeros on social media and internet claiming that debt is a good thing as it gives you the buying power to get anything you want. Or it can give you the opportunity to grow your business and you should take loan from banks when no one is there to help.
However, the truth is that debt is one of the biggest causes of anxiety and depression. A recent study done in the United States has proven that financial debt is directly related to depression and anxiety.
You will find hundreds of quotes on debt, such as “Debt is the slavery of the free” and “Debt is the worst poverty.” Therefore, Muslims should avoid debt, and if they have taken money from others, pay it back as soon as possible.
This blog will discuss the best dua for debt relief, how and when to recite these supplications and the advantages of reciting dua for clearing debt.
Best Dua for Debt Relief
اللَّهُمَّ اكْفِنِي بِحَلاَلِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Dua for debt relief in English: Allāhummakfinī biḥalālika `an ḥarāmika, wa aghninī bi faḍlika `amman siwāka.
English translation: O Allah! Grant me enough of what You make lawful so that I may dispense with what You make unlawful, and enable me by Your Grace to dispense with all but You.
Hadith: Ali [may Allah be pleased with him] narrated: that a Mukatib came to him and said: “Indeed I am not capable of my Kitabah so aid me.” He said: “Should I not teach you words that the Messenger of Allah (PBUH) taught me? If you had a debt upon you similar to the mountain of Sir, Allah would fulfill it for you. He said: ‘Say: Allāhummakfinī biḥalālika `an ḥarāmika, wa aghninī bi faḍlika `amman siwāka.'” —Jami` at-Tirmidhi 3563
Explanation: A man has the responsibility of putting food on the table, and sometimes, he takes loans to fulfill the needs of his family. The same is the case with the man who come to Ali (RA) asked for financial help.
Ali (RA) gave him the best dua for clearing debt, translated as “O Allah! Grant me enough of what You make lawful so that I may dispense with what You make unlawful, and enable me by Your Grace to dispense with all but You.”
Those of us who are in debt should recite this dua for debt relief and pray to Allah for his mercy and forgiveness. He is the creator of this universe, and there is nothing out of his powers. You should also consider praying Tahajjud prayer with the Tahajjud dua and ask Allah to help you in this situation.
Dua for Anxiety and Debt
Here is the best dua for anxiety and debt from Hadith.
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنْ عَذَابِ الْقَبْرِ وَأَعُوذُ بِكَ مِنْ فِتْنَةِ الْمَسِيحِ الدَّجَّالِ وَأَعُوذُ بِكَ مِنْ فِتْنَةِ الْمَحْيَا وَالْمَمَاتِ اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَأْثَمِ وَالْمَغْرَمِ
Transliteration: O Allah, I seek refuge in Thee from the punishment of the grave; I seek refuge in Thee from the trial of the Antichrist; I seek refuge in Thee from the trial of life and the trial of death; O Allah, I seek refuge in Thee from sin and debt.
Translation: Allāhumma ‘innī ‘a`ūdhu bika min `adhābi ‘l-qabr, wa ‘a`ūdhu bika min fitnati ‘l-masīḥid-dajjāl, wa ‘a`ūdhu bika min fitnati ‘l-maḥyā wa ‘l-mamāt. Allāhumma ‘innī ‘a`ūdhu bika mina ‘l-m’athami wa ‘l-maghram.
Hadith: Narrated Aisha, Ummul Mu’minin: The Messenger of Allah (PBUH) used to make supplication during the prayer saying: “O Allah, I seek refuge in Thee from the punishment of the grave; I seek refuge in Thee from the trial of the Antichrist; I seek refuge in Thee from the trial of life and the trial of death; O Allah, I seek refuge in Thee from sin and debt.” Someone said to him: How often you seek refuge from debt! He replied: When a man is in debt, he talks and tells lies, makes promises and breaks them. —Sunan Abi Dawud 880
Explanation: In this supplication for debt and anxiety, we are praying to Allah to save us from everything, including the punishment of grave, Antichrist, sins, and debt. This is the best dua for debt anxiety, which can be recited every time you feel stressed. We have also compiled the best dua for anxiety, stress, and depression, which you should read.
What are the benefits of reciting dua for debt relief?
Reciting a dua (supplication) for debt relief holds significant spiritual and emotional benefits in Islamic tradition. Here are some key benefits:
- Trust in Allah’s Assistance: By making dua, one acknowledges their reliance on Allah for help, fostering trust that He can ease financial burdens and provide solutions.
- Emotional Relief: The act of reciting a dua brings comfort and peace of mind, knowing that one’s concerns are placed in Allah’s hands, reducing stress and anxiety.
- Increased Faith: Consistently turning to Allah during times of financial hardship strengthens one’s faith and connection with their Creator. Recite the second Kalma to increase faith.
- Barakah in Wealth: Asking Allah for debt relief invites barakah (blessings) into one’s finances, helping one manage and increase wealth responsibly. Here is the best dua for rizq and increasing wealth.
- Motivation to Act: Regularly making dua serves as a reminder to seek practical solutions, such as better financial planning or finding additional sources of income, while relying on Allah’s guidance. Read this dua to wake up and start your day with Allah’s name and motivation.
- Protection from Future Hardship: Some duas not only ask for relief from current debts but also seek protection from future financial struggles. You can also recite Dua e Qunoot to remove hardships from your life.
Wrap Up
We know the pressure and depression of debt can twist the minds of anyone, and we pray that everyone in this world gets debt-free. We have listed the best dua for paying off debt and believe that by reciting them, you will be debt-free.
We have also provided Hadith as a reference so you can verify these supplications for debt. Helping other is the best thing a Muslim and human can do, therefore we pray for you to get debt free.
FAQs
What is the best dua for debt relief in English?
This is the best dua for clearing debts from Hadith.
Allāhummakfinī biḥalālika `an ḥarāmika, wa aghninī bi faḍlika `amman siwāka.
How to eliminate debt and poverty?
It is Allah who makes a few rich and poor. We should believe in him and his system. However, one should always strive to make more money and live the life of their dreams.
The short answer to this question is hard work and belief in Allah. Inshallah, Allah will help you in the time of hardship. Here is a guide on the dua for success, which you should recite everyday.
What else should you know?
Here is a list of a few powerful dua you should know.
