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Monday 19 February 2024

What is The Dua/Supplication to Settle or Pay Off a Debt?


What is the dua/supplication to settle or pay off a debt in Islam?


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

O Allah, suffice me with what You have allowed instead of what You have forbidden, and make me independent of all others besides You.


Allaahummak-finee bihalaalika 'an haraamika wa 'aghninee bifadhlika 'amman siwaaka.


Al-Tirmidhi 5/560


Dua 2

الرِّجَالِ بَةِ وغَلَ الدَّيْنِ وضَلْعِ  والجُبْنِ، والبُخْلِ  والكَسَلِ، والعَجْزِ وَالْحَزَنِ، الهَمِّ مِنَ بِكَ أَعْوذُ إِنِّي اللَّهُمَّ


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


Allaahumma 'innee 'a'oothu bika minal-hammi walhazani, wal'ajzi walkasali, 
walbukhli waljubni, wa dhala'id-dayni wa ghalabatir-rijaali.


Al-Bukhari 7/158

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