Duas for Repayment of Debts

Dua'a by Imam Sajjad from Sahifa e Kamela  |  Duas from Sahifa Alavia 63   64 Dua from Mafatih/Baqiyatussalehat 

Hadith on 'debt'     |   Rizq /Sustenance duas


Other Duas:

DUA'A 112
Recite the following du-a'a on Friday to have means for repayment of a debt

ALLAAHUMMAK-FINEE BI-H'ALAALIKA A'N H'ARAAMIKA WA AGHNINEE BI-FAZ'LIKA A'MMAN SIWAAKA YAA H'AYYU YAA QAYYOOM

DUA'A 113
According to Imam Ali bin Musa ar Rida, the following du-a'a should be recited after every obligatory salat if one wants one's debts to be repaid.

ALLAAHUMMA INNEE AS-ALUKA BIH'AQQI WALIYYIKA MUH'AMMADIBNI A'LIYYIN AN JUD BIHEE A'LAYYA BIFAZ'LIKA WA TAFAZ'Z'AL BIHEE MIN WUS-I'KA WA WASSI-A'LAYYA MIN RIZQIKA WA AGHNINEE BIH'ALAALIKA A'N H'ARAAMIKA WA JA-A'LTAHAA LEE ILAYKA FA-INNAKA LIMAA TASHAA-U QADEER

DUA'A 114
Once Ma-a'ad bin Sahal a companion of the Holy Prophet, did not come to pray Jumu-a'h salat.  When they met the Holy Prophet asked him :Ma-a'ad what prevented you from praying the Jumu-ah prayers?

I owe 6 kilogram wheat to Jonah (a jew).  He was sitting at my door to intercept me; so I did not come out of my home.  Ma-ad replied."If you want that your debt is repaid, recite verses 26 and 27 of Ali Imran daily.  Whatever the amount of debt is its repayment will arranged.  Inshallah", the Holy Prophet said.

Refer to du-a'a 79 (A) for verses 26 and 27 of Ali Imran.

DUA'A 115
The following du-a'a was taught by Imam Ali ibn abi Talib to one of his companion to have divine assistance in order to be able to repay debts.

ALLAAHUMMA INNEE AS-ALUKA YAA LAA ILAAHA ILLAA ANTA BIH'AQQI LAA ILAAHA ILLAA ANTA AN TARH'AMANEE BILAA ILAAHA ILLAA ANTA ALLAAHUMMA INNEE AS-ALUKA BILAA ILAAHA ILLAA ANTA BIH'AQQI LAA ILAAHA ILLAA ANTA AN TARZ'AA A'NNEE BILAA ILAAHA ILLAA ANTA ALLAAHUMMA INNEE AS-ALUKA BILAA ILAAHA ILLAA ANTA BIH'AQQI LAA ILAAHA ILLAA ANTA AN TAGHFIRA LEE BILAA ILAAHA ILLAA ANTA

DUA'A 116
Recite du-a'a 79 (A) verses 26 & 27 of Ali Imran) for repayment of debts also, as advised by the Holy Prophet.  After the recitation of the above noted verses recite the following.

YAA RAH'MAANAD DUNYAA WAL AAKHIRATI WA RAH'EEMAHUMMA TOO-TEE MINHUMAA MAN TASHAA-U WA TAMNA-U MINHUMAA MAN TASHAA-U S'ALLI A'LAA MUHAMMADIN WA AALIHEE WAQ-Z'I A'NNEE DAYNEE

DUA'A 117
After wuzu face qiblah and recite the under noted portion of verse 87 of al Anbiya so that you may earn enough money to repay your debits.

LAA ILAAHA ILLAAA ANTA SUBH'AANAKA INNEE KUNTU MINAZ'Z'AALIMEEN

DUA'A 118
It is written in Kanzul Maknun that the Holy Prophet taught the following du-a'a to a man who along with his large family, was unable to have two square meals a day on account of heavy debts.  He had borrowed but could not pay, and asked to first pray a 2 rakat salat before reciting it.

For the full text of the du-a'a see du-a'a no. 76

DUA'A 119
After midnight pray a 2 rakat salat.  IN the first rakat after al Fatihah recite al Mulk (67) and in the second rak-at after al Fatihah recite Ha Mim (41) and after salam.  Recite the following du-a'a.

YAA RABBI QAD NAAMATIL U'YOONU WA GHARABATIN NUJOOMU WA ANTAL H'AYYUL QAYYOOMU LAA TAAKHUD'UKA SINATUN WA LAA NAWM LAN YAKHFAA A'NKA LAYLUN DAAJIN WA LAA ARZ'UN D'AATA MIHAADIN WA LAA BAH'RUN LUJJIYYUN WA LAA Z'ULUMAATUM BA'-Z'UHAA FAWQA BA'-Z'IN YAA SAAMI-A' S'AREEKHAL ABRAARI WA YAA GHIYAATHAL MUSTAGHEETHEENA BIRAH'MATIKA ASTAGHEETHU FAS'ALLI A'LAA MUH'AMMADIN WA AALIHEE WA AQZ'I LEE H'AAJATAN (mention your desire) WA LAA TARUDDANEE KHAAA-IBAN WA LAA MAH'ROOMAN YAA ARH'AMAR RAAH'IMEEN

DU-A'A 120
It is stated by Shaykh Tusi that once a man came and told Imam Jafar bin Muhammad as Sadiq that he was deep in debt and moreover harassed and persecuted by the ruler.  The Imam instructed him to pray a 2 rakat Salat after Maghrib salat (as mentioned below):
Recite Ayat al Kursi after the recitation of al Fatihah in the first rakat.
In the second rakat after recitation of al Fatihah recite verses 22 to 24 of al Hashr
After the salam put the holy Quran on the head and recite :

BIH'AQQI  HAAD'AL QUR-AANI  WA BIH'AQQI MAN ARSALATAHOO BIHEE WA BIH'AQQI KULLI MOOMINIM MADAH'TAHOO FEEHI WA BIH'AQQIKA A'LAYHIM FALAA AH'ADA A'RAFU BIH'AQQIKA MINKA
Then say each of the following ten times :
BIKA YAA ALLAAH
BIKA YAA MUH'AMMAD
BIKA YAA A'LEE
BIKA YAA FAAT'IMAH
BIKA YAA H'ASAN

BIKA YAA HUSAYN

BIKA YAA A'LEE BIN H'USAYN

BIKA YAA MUH'AMMAD BIN A'LEE

BIKA YAA JA'FAR BIN MUH'AMMAD

BIKA YAA MOOSAA BIN JA'FAR

BIKA YAA A'LEE BIN MOOSAA

BIKA YAA MUH'AMMAD BIN A'LEE

BIKA YAA A'LEE BIN MUH'AMMAD

BIKA YAA H'ASAN BIN A'LEE

BIL H'UJJATIL QAA-IMI A'LAYHIS SALAAM

Debt Settlement Dua from Baqeyatus Salehat (Margins of Mafatih

 Prayer for Help in Settlement of Debts

Twenty-fifth: Sayyid `Al¢ ibn Fa¤lull¡h al-°usayn¢ al-R¡wand¢ has mentioned the following incident in his book entitled Nathr al-La'¡l¢:

When a man complained to Prophet Jesus the son of Mary, peace be upon them, about the debts, Prophet Jesus (`a) taught him to say this prayer, adding, “If your debts are filling the globe, Almighty Allah will certainly help you to settle them after you say this prayer constantly.”

اَللَّهُمَّ يَا فَارِجَ ٱلْهَمِّ

all¡humma y¡ f¡rija alhammi

O Allah, O remover of suffering,

وَمُنَفِّسَ ٱلْغَمِّ

wa munaffisa alghammi

reliever from agony,

وَمُذْهِبَ ٱلاحْزَانِ

wa mudhhiba al-a¦z¡ni

dispeller of grievances,

وَمُجِيبَ دَعْوَةِ ٱلْمُضْطَرِّينَ

wa muj¢ba da`wati almu¤§arr¢na

responding to the prayers of the distressed ones,

يَا رَحْمٰنَ ٱلدُّنْيَا وَالآخِرَةِ وَرَحِيمَهُمَا

ra¦m¡na aldduny¡ wal-¡khirati wa ra¦¢mahum¡

and All-beneficent and All-merciful in this world and the other world,

انْتَ رَحْمٰنِي وَرَحْمٰنُ كُلِّ شَيْءٍ

anta ra¦m¡n¢ wa ra¦m¡nu kulli shay'in

You are beneficent to me and beneficent to all things;

فَٱرْحَمْنِي رَحْمَةً تُغْنِينِي بِهَا عَنْ رَحْمَةِ مَنْ سِوَاكَ

far¦amn¢ ra¦matan tughn¢n¢ bih¡ `an ra¦mati man siw¡ka

so, (please) have mercy upon me due to which I dispense with the mercy of any other one than You

وَتَقْضِي بِهَا عَنِّي ٱلدَّيْنَ

wa taq¤¢ bih¡ `ann¢ alddayna

and by which You may help me settle my debts.

 

Second: This prayer is reported from Imam M£s¡ ibn Ja`far al-K¡¨im (`a):MP3

اَللَّهُمَّ ٱرْدُدْ إِلىٰ جَمِيعِ خَلْقِكَ

all¡humma urdud il¡ jam¢`i khalqika

O Allah, (please) help me pay back to all of Your creatures

مَظَالِمَهُمُ ٱلَّتِي قِبَلِي

ma¨¡limahum allat¢ qibal¢

their dues for which I am liable,

صَغِيرَهَا وَكَبِيرَهَا

¥agh¢rah¡ wa kab¢rah¡

both the insignificant and the large,

فِي يُسْرٍ مِنْكَ وَعَافِيَةٍ

f¢ yusrin minka wa `¡fiyatin

with easiness and wellbeing from Your Presence.

وَمَا لَمْ تَبْلُغْهُ قُوَّتِي

wa m¡ lam tablughhu quwwat¢

As for the dues that I am too weak to settle,

وَلَمْ تَسَعْهُ ذَاتُ يَدِي

wa lam tasa`hu dh¡tu yad¢

I am too poor to make up,

وَلَمْ يَقْوَ عَلَيْهِ بَدَنِي وَيَقِينِي وَنَفْسِي

wa lam yaqwa `alayhi badan¢ wa yaq¢n¢ wa nafs¢

and my physique, certitude, and self are too short to satisfy,

فَادِّهِ عَنِّي مِنْ جَزِيلِ مَا عِنْدَكَ مِنْ فَضْلِكَ

fa'addih¢ `ann¢ min jaz¢li m¡ `indaka min fa¤lika

(please) settle them on behalf of me out of the abundant favor You own.

ثُمَّ لاَ تُخَلِّفْ عَلَيَّ مِنْهُ شَيْئاً تَقْضِيهِ مِنْ حَسَنَاتِي

thumma l¡ tukhallif `alayya minhu shay'an taq¤¢hi min ¦asan¡t¢

Then, (please) do not cut off any amount of it from my good deeds.

يَا ارْحَمَ ٱلرَّاحِمِينَ

ar¦ama alrr¡¦im¢na

O most merciful of all those who show mercy!

اشْهَدُ انْ لاَ إِلٰهَ إلاَّ ٱللَّهُ

ashhadu an l¡ il¡ha ill¡ all¡hu

I bear witness that there is no god but Allah,

وَحْدَهُ لاَ شَرِيكَ لَهُ

wa¦dah£ l¡ shar¢ka lah£

One and Only and having no associate with Him.

وَاشْهَدُ انَّ مُحَمَّداً عَبْدُهُ وَرَسُولُهُ

wa ashhadu anna mu¦ammadan `abduh£ wa ras£luh£

I bear witness that Mu¦ammad is His servant and messenger,

وَانَّ ٱلدِّينَ كَمَا شَرَعَ

wa anna aldd¢na kam¡ shara`a

the religion is as exactly as He has legislated,

وَانَّ ٱلإِسْلاَمَ كَمَا وَصَفَ

wa anna al-isl¡ma kam¡ wa¥afa

Islam is as exactly as He has described,

وَانَّ ٱلْكِتَابَ كَمَا انْزَلَ

wa anna alkit¡ba kam¡ anzala

the Book is as exactly as He has revealed,

وَانَّ ٱلْقَوْلَ كَمَا حَدَّثَ

wa anna alqawla kam¡ ¦addatha

the truth is as exactly as He has said,

وَانَّ ٱللَّهَ هُوَ ٱلْحَقُّ ٱلْمُبِينُ

wa anna all¡ha huwa al¦aqqu almub¢nu

and Allah is the manifest truth.

ذَكَرَ ٱللَّهُ مُحَمَّداً وَاهْلَ بَيْتِهِ بِخَيْرٍ

dhakara all¡hu mu¦ammadan wa ahla baytih¢ bikhayrin

May Allah make good mention of Mu¦ammad and his Household

وَحَيَّىٰ مُحَمَّداً وَاهْلَ بَيْتِهِ بِٱلسَّلاَمِ

wa ¦ayy¡ mu¦ammadan wa ahla baytih¢ bilssal¡mi

and may He greet Mu¦ammad and his Household with peace.

Imam Ali a.s has mentioned that the debts of the person will be repaid from the unseen even if they are as big as a mountain ,if he recites this dua.

 بسم اللہ الرحمن الرحیم اللھم ۔ اغنی بحلالک عن حرامک و بطاعتک عن معصیتک و بفضلک عمن سواک برحمتک یا الرحمن الراحمین۔

(Bismillaahir Rahmaanir Raheem. Allaahumma Aghninee Bihalaalika An Haraamik, Wa Bitaa,atika An Maseeyatik Wa Bifazlika Amman Siwaaka Birahmatik, Yaa Arhamar Raahimeen.) (Ref: Nawaay Saliheen, pg#339).

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DEBT   الدّين 

Beware of Debt

1ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): إيّاكم والدَّينَ ، فإنّه هَمٌّ بِالليلِ وذُلٌّ بالنهارِ.

1– The Prophet (SAWA) said, ‘Beware of debt for verily it is a source of anxiety in the night and a source of disgrace during the day.’[Bihar al-Anwar, v. 103, p. 141, no. 4]
 

2ـ الإمامُ عليٌّ (عَلَيهِ الّسَلامُ): كَثرَةُ الدَّينِ تُصَيِّرُ الصادِقَ كاذِباً والمُنجِزَ مُخْلِفاً.

2– Imam Ali (AS) said, ‘Copious debts transform the truthful man into a liar and an achiever into one who is unreliable.’[Ghurar al-Hikam, no. 7105]
 

3ـ الإمامُ الصّادقُ (عَلَيهِ الّسَلامُ): خَفِّفوا الدَّينَ ، فإنّ في خِفَّةِ الدَّينِ زيادَةَ العُمُرِ.

3– Imam al-Sadiq (AS) said, ‘Lighten your debts, for verily with little debt comes longer life.’[Bihar al-Anwar, v. 103, p. 145, no. 21]
 

جوازُ الاستِدانَةِ مَعَ الحاجَةِ

Permission to Incur Debt when in Need

4ـ الإمامُ الكاظمُ (عَلَيهِ الّسَلامُ): مَن طَلَبَ هذا الرِّزقَ مِن حِلِّهِ لِيَعودَ بهِ عَلى نفسِهِ وعِيالِهِ كانَ كالمُجاهِدِ في سبيلِ اللّه‏ِ عزّ وجلّ ، فإن غَلَبَ علَيهِ فَلْيَستَدِنْ عَلَى اللّه‏ِ وعَلى رسولِهِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ) ما يَقوتُ بهِ عِيالَهُ.

4– Imam al-Kazim (AS) said, ‘One who seeks to gain sustenance for himself and his family in a lawful manner is as the one who fights in the way of Allah. But if he is unable to do so he may incur debt, trusting in Allah and His Prophet, in order to ensure provisions for his family.’[al-Kafi, v. 5, p. 93, no. 3]

 

الحَثُّ عَلى كِتابَةِ الدَّينِ

Encouragement to Write a Contract for Any Loan

5ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): أصنافٌ لا يُستَجابُ لَهُم ، مِنهُم مَن أدانَ رَجُلاً دَيناً إلى أجَلٍ فلَم يَكتُبْ علَيهِ كِتاباً ولَم يُشهِدْ علَيهِ شُهُوداً.

5– The Prophet (SAWA) said, ‘There are certain types of people whose supplications are not answered. From among them is the man who lends money to someone for a specified time and neither writes it down nor has anyone witness it.’[Bihar al-Anwar, v. 104, p. 301, no. 1]
 

النَّهيُ عَنِ المُماطَلَةِ فِي الدَّينِ

Prohibition of the Postponement of Repaying Debts

6ـ رسولُ اللهِ‏ِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): مَن يَمطُلْ على ذِي حَقٍّ حَقَّهُ وهُو يَقدِرُ على أداءِ حَقِّهِ فعلَيهِ كُلَّ يومٍ خَطيئةُ عَشّارٍ.

6– The Prophet (SAWA) said, ‘Whoever postpones repaying someone their right while he is capable of doing has the sin of an extortionist written down for him as every day passes by.’[Bihar al-Anwar, v. 103, p. 146, no. 3]
 

7ـ رسولُ اللهِ (صَلَّيَ اللهُ عَلَيهِ وَ آلِهِ): مَطْلُ الغَنِيِّ ظُلمٌ.

7– The Prophet (SAWA) said, ‘A wealthy man’s postponement [in repayment of a debt] is oppression.’[Mustadrak al-Wasail, v. 13, p. 397, no. 15713]
 

8ـ الإمامُ عليٌّ (عَلَيهِ الّسَلامُ): أبخَلُ الناسِ بِعَرَضِهِ أسخاهُم بِعِرضِهِ.

8– Imam Ali (AS) said, ‘The most miserly person with regards to his wealth is the most liberal in squandering away his reputation.’[Ghurar al-Hikam, no. 3190]