Duas for Debt Repayment


Sahifa Sajjadia dua 30 for Debt Repayment
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THE REPAYMENT OF LOAN AND DEBT BOOKLET
Original compilation: Mohammed Ibrahim Nasrullah Burujardi
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Baqiyatussalehat- the supplicatory prayers for Debt Repayment are as follows:

The following are two supplicatory prayers for settling the debts: First: Imam al-Sadiq (`a) is reported to have advised of saying this supplicatory prayer:
اَللَّهُمَّ لَحْظَةً مِنْ لَحَظَاتِكَ
allahumma lahzatan min lahazatika
O Allah, (please grant me) one of Your looks

تُيَسِّرُ عَلَىٰ غُرَمَائِي بِهَا ٱلْقَضَاءَ
tuyassiru `ala ghurama'i biha alqada'a
by which You may make it easy for my debtors to settle their debts

وَتُيَسِّرُ لِي بِهَا ٱلٱِقْتِضَاءَ
wa tuyassiru li biha aliqtida'a
and for me to recover my loans.

إِنَّكَ عَلَىٰ كُلِّ شَيْ‏ءٍ قَدِيرٌ
innaka `ala kulli shay'in qadirun
You verily have power over all things.


Second: This supplicatory prayer is reported from Imam Musa ibn Ja`far al-Kazim (`a):
اَللَّهُمَّ ٱرْدُدْ إِلىٰ جَمِيعِ خَلْقِكَ
allahumma urdud ila jami`i khalqika
O Allah, (please) help me pay back to all of Your creatures

مَظَالِمَهُمُ ٱلَّتِي قِبَلِي
mazalimahum allati qibali
their dues for which I am liable,

صَغِيرَهَا وَكَبِيرَهَا
saghiraha wa kabiraha
both the insignificant and the large,

فِي يُسْرٍ مِنْكَ وَعَافِيَةٍ
fi yusrin minka wa `afiyatin
with easiness and wellbeing from Your Presence.

وَمَا لَمْ تَبْلُغْهُ قُوَّتِي
wa ma lam tablughhu quwwati
As for the dues that I am too weak to settle,

وَلَمْ تَسَعْهُ ذَاتُ يَدِي
wa lam tasa`hu dhatu yadi
I am too poor to make up,

وَلَمْ يَقْوَ عَلَيْهِ بَدَنِي وَيَقِينِي وَنَفْسِي
wa lam yaqwa `alayhi badani wa yaqini wa nafsi
and my physique, certitude, and self are too short to satisfy,

فَادِّهِ عَنِّي مِنْ جَزِيلِ مَا عِنْدَكَ مِنْ فَضْلِكَ
fa'addihi `anni min jazili ma `indaka min fadlika
(please) settle them on behalf of me out of the abundant favor You own.

ثُمَّ لاَ تُخَلِّفْ عَلَيَّ مِنْهُ شَيْئاً تَقْضِيهِ مِنْ حَسَنَاتِي
thumma la tukhallif `alayya minhu shay'an taqdihi min hasanati
Then, (please) do not cut off any amount of it from my good deeds.

يَا ارْحَمَ ٱلرَّاحِمِينَ
ya arhama alrrahimina
O most merciful of all those who show mercy!

اشْهَدُ انْ لاَ إِلٰهَ إلاَّ ٱللَّهُ
ashhadu an la ilaha illa allahu
I bear witness that there is no god but Allah,

وَحْدَهُ لاَ شَرِيكَ لَهُ
wahdahu la sharika lahu
One and Only and having no associate with Him.

وَاشْهَدُ انَّ مُحَمَّداً عَبْدُهُ وَرَسُولُهُ
wa ashhadu anna muhammadan `abduhu wa rasuluhu
I bear witness that Muhammad is His servant and messenger,

وَانَّ ٱلدِّينَ كَمَا شَرَعَ
wa anna alddina kama shara`a
the religion is as exactly as He has legislated,

وَانَّ ٱلإِسْلاَمَ كَمَا وَصَفَ
wa anna al-islama kama wasafa
Islam is as exactly as He has described,

وَانَّ ٱلْكِتَابَ كَمَا انْزَلَ
wa anna alkitaba kama anzala
the Book is as exactly as He has revealed,

وَانَّ ٱلْقَوْلَ كَمَا حَدَّثَ
wa anna alqawla kama haddatha
the truth is as exactly as He has said,

وَانَّ ٱللَّهَ هُوَ ٱلْحَقُّ ٱلْمُبِينُ
wa anna allaha huwa alhaqqu almubinu
and Allah is the manifest truth.

ذَكَرَ ٱللَّهُ مُحَمَّداً وَاهْلَ بَيْتِهِ بِخَيْرٍ
dhakara allahu muhammadan wa ahla baytihi bikhayrin
May Allah make good mention of Muhammad and his Household

وَحَيَّىٰ مُحَمَّداً وَاهْلَ بَيْتِهِ بِٱلسَّلاَمِ
wa hayya muhammadan wa ahla baytihi bilssalami
and may He greet Muhammad and his Household with peace.







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

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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.

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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.
قُلِ اللَّـهُمَّ مَالِكَ الْمُلْكِ تُؤْتِي الْمُلْكَ مَن تَشَاءُ وَتَنزِعُ الْمُلْكَ مِمَّن تَشَاءُ وَتُعِزُّ مَن تَشَاءُ وَتُذِلُّ مَن تَشَاءُ ۖ بِيَدِكَ الْخَيْرُ ۖ إِنَّكَ عَلَىٰ كُلِّ شَيْءٍ قَدِيرٌ﴿٢٦﴾ تُولِجُ اللَّيْلَ فِي النَّهَارِ وَتُولِجُ النَّهَارَ فِي اللَّيْلِ ۖ وَتُخْرِجُ الْحَيَّ مِنَ الْمَيِّتِ وَتُخْرِجُ الْمَيِّتَ مِنَ الْحَيِّ ۖ وَتَرْزُقُ مَن تَشَاءُ بِغَيْرِ حِسَابٍ ﴿٢٧﴾

Recite 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.

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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 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.

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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 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.

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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. Dua 79 on page of rizq
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.

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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

Al-Sahifa e Alaviya Supplication 63/64(His supplication for payment of debts)
No 63:

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BISMIL LAAHIR RAHMAANIR RAHEEM. ALLAAHUMMA YAA FAAREJAL HAMME WA MONAFESAL GHAMME WA MUZHEBAL AHZAANE WA MOJEEBA DA’WATIL MUZTARREENA YAA RAHMAANAD DUNYAA WAL AAKHERATE WA RAHEEMAHOMAA ANTA RAHMAANEE WA RAHMAANO KULLE SHAY-IN FAR-HAMNEE RAHMATAN TUGHNEENEE BEHAA A’NA RAHMATE MAN SEWAAKA WA TAQZEE BEHAA A’NNID DAYNA KULLAHU.
O Allah! O the averter of sorrows. O the dispeller of grief! O the one to ward off the sorrow and O the one to accept the prayers of uneasy people. O the Merciful in this world and the Hereafter. You are my only hope, and O the one to show mercy on everything have mercy on me. Shower such a mercy on me which excels every other mercy and free me from all the debts


No 64

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BISMIL LAAHIR RAHMAANIR RAHEEM. ALLAAHUMMA AGHNENEE BEHALAALEKAA’N HARAAMEKA WA BEFAZLEKA A’MMAN
In the name of Allah the Beneficent the Merciful. O Allah! Make me self-sufficient by permitted things from prohibited ones and by Your grace from all possessing powers:

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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Hadith
DEBT HADITH Beware of Debt
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]

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]

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]

Permission to Incur Debt when in Need
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]

Encouragement to Write a Contract for Any Loan
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]

Prohibition of the Postponement of Repaying Debts
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]

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]

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]
مَنْ مَطَلَ عَلَى ذِي حَقٍّ حَقَّهُ، وَ هُوَ يَقْدِرُ عَلَى أَدَاءِ حَقِّهِ فَعَلَيْهِ كُلَّ يَوْمٍ خَطِيئَةُ عَشَّار.
Whoever postpones repaying someone’s right while he is capable of doing has the sin of an extortionist written down for him as every day passes by. Prophet Mohammad (PBUH)‏
Bihar al-Anwar, vol. 73, pg. 336
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Recite this after each namaz to get the loans given by you returned
اللَّهُمَّ إِنِّی أَسْأَلُکَ یَا لَا إِلَهَ إِلَّا أَنْتَ بِحَقِّ لَا إِلَهَ إِلَّا أَنْتَ أَنْ تَرْحَمَنِی بِلَا إِلَهَ إِلَّا أَنْتَ اللَّهُمَّ إِنِّی أَسْأَلُکَ یَا لَا إِلَهَ إِلَّا أَنْتَ بِحَقِّ لَا إِلَهَ إِلَّا أَنْتَ أَنْ تَرْضِیَ عَنِّی بِلَا إِلَهَ إِلَّا أَنْتَ اللَّهُمَّ إِنِّی أَسْأَلُکَ یَا لَا إِلَهَ إِلَّا أَنْتَ بِحَقِّ لَا إِلَهَ إِلَّا أَنْتَ أَنْ تَغْفِرَ لِی بِلَا إِلَهَ إِلَّا أَنْتَ