Introduction: The Burden of Debt Debt is often described as "worry at night and humiliation by day." It drains your energy and steals your peace of mind. But in Islam, spiritual solutions go hand-in-hand with practical efforts. Prophet Muhammad ﷺ gifted us specific supplications (Duas) that act as keys to financial freedom.
The Story of the Slave A slave struggling to pay for his freedom came to Ali ibn Abi Talib (RA) asking for help. Ali said, "Shall I not teach you words that the Messenger of Allah ﷺ taught me? If you had a debt as large as a mountain, Allah would pay it off for you."
The Golden Dua
"Allahummak-fini bihalalika 'an haramika, wa aghnini bifadlika 'amman siwaka."
Translation: "O Allah, suffice me with Your lawful against Your prohibited, and make me independent of all those besides You."
Why It Works?
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Focus on Halal: You ask Allah to satisfy your needs through pure means, which brings Barakah (blessing).
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Total Reliance: You declare that you need no one but Allah. When you rely solely on Him, He creates openings from unexpected sources.
Another Powerful Protection The Prophet ﷺ also taught us to seek refuge from "Ghalabatid-dayn" (being overpowered by debt) and "Qahrir-rijal" (the oppression of men). Recite this daily to protect your dignity from the humiliation of debt.
Conclusion Combine your hard work with these powerful prayers. Trust that Al-Razzaq (The Provider) can wipe away your debts just as easily as He provides for the birds.