Question:
What is the dua/supplication to settle or pay off a debt in Islam?
Answer:
Being in debt might be so frustrating when we are unable
to pay it back as at when due, which may bring shame, distress, anxiety and
calamity to the one who is in debt.
Islam encourages us to distance ourselves from taking
heavy loans/debts because if a Muslim dies without paying these loans or debts
he owed will not enter paradise.
According to an authentic narration by Salama bin Al-Akwa that The Prophet (peace be upon him):
A dead person was brought
to the Prophet (SAW) so that he might lead the funeral prayer for him. He
asked, "Is he in debt?" When the people replied in the negative, he
led the funeral prayer. Another dead person was brought and he asked, "Is
he in debt?" They said, "Yes." He (refused to lead the prayer
and) said, "Lead the prayer of your friend." Abu Qatada said, "O
Allah's Apostle (SAW)! I undertake to pay his debt." Allah's Apostle (SAW)
then led his funeral prayer. - (Sahih al-Bukhari 479)
“Whoever dies free from three things – arrogance, cheating
and debt – will enter paradise.” – (al-Tirmidhi 1572)
The above narrations have clearly stated how owing a debt
can stop you from entering Jannah (paradise). But if you are finding it
difficult to pay off debts or loans, there are some prayers (dua or
supplication) the Prophet (peace be upon him) has encouraged every Muslim to
recite to ease them to pay off debts or loans:
Dua 1
اللَّهُمَّ
اكْفِنِي بِحَلالِكَ عَنْ حَرَامِكَ وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Translation
O Allah, suffice me with what You have allowed instead of
what You have forbidden, and make me independent of all others besides You.
Transliteration
Allaahummak-finee bihalaalika 'an haraamika wa 'aghninee
bifadhlika 'amman siwaaka.
Reference
Al-Tirmidhi 5/560
OR
Dua
2
الرِّجَالِ بَةِ وغَلَ الدَّيْنِ وضَلْعِ والجُبْنِ، والبُخْلِ والكَسَلِ، والعَجْزِ وَالْحَزَنِ، الهَمِّ مِنَ
بِكَ أَعْوذُ إِنِّي اللَّهُمَّ
Translation
O Allah, I seek refuge in You from grief and sadness,
from weakness and from laziness, from miserliness and from cowardice, from
being overcome by debt and from being overpowered by men
Transliteration
Allaahumma 'innee 'a'oothu bika minal-hammi walhazani,
wal'ajzi walkasali,
walbukhli waljubni, wa dhala'id-dayni wa
ghalabatir-rijaali.
Reference
Al-Bukhari 7/158
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