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Get Out of Debt with Dua

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As-salaamu alaykum,

Are you in debt, soon will be or know someone that is? If yes, then the following dua (supplication) is surely, in shaa Allah, worth learning, memorizing and sharing.

In a sound hadith in Saheeh At-tirmithi it was narrated that a man who was in debt came to Ali ibn Abi Talib raḍyAllāhu 'anhu (may Allāh be pleased with him) seeking his help to pay off some of his due payment. Ali –may Allah be pleased with him- told him:

“Shall I not teach you some words [i.e. a dua] which the Prophet ṣallallāhu 'alayhi wa sallam (peace and blessings of Allāh be upon him) taught me, if you said it, Allah will take care of your debt even if your debt was as big as a mountain.”

Ali then said to the man,

“say:

اللَّهُمَّ  O Allah [Allahumma]

اكْفِنِي بِحَلاَلِكَ عَنْ حَرَامِكَ Suffice me with that which is lawful against that which is prohibited. [Ekfenee behalaleka ‘an haraamek]

وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ  and make me independent of all those besides You [Wa aghnenee befaDleka ‘am-man sewaak]

Here we are begging Allah subḥānahu wa ta'āla (glorified and exalted be He) to help us pay off our debt using lawful and permissible avenues and not through impermissible resources such as by stealing peoples’ money and accepting bribery or by any other haram means. And to make us dependent on Allah and no one else.

I have personally known someone who learned this dua and practiced saying it while simultaneously working so hard to earn lawful income and now he is paying off his debt at an unbelievable fast pace, ma shaa Allah. Even the debt collector cannot believe how fast the brother is paying him back the loan, but I do believe it.

I ask Allah to help us pay off our debts and assist us in saying the aforementioned dua with eman and certainty. May Allah bless you. Feel free to share this post to benefit your brothers and sisters.

Wassalaamu alaykum,

Majed completed a Bachelor’s in Mechanical Engineering from the University of Windsor, a Bachelor’s in Islamic Studies in Islamic Jurisprudence and Legal Theory from Al-Madinah International University, and a Master’s in Business Administration from Wayne State University. As he travels worldwide lecturing about different aspects of Islam, Majed works full-time as a mechanical engineer and teaches with Al-Maghrib Institute. He currently lives in Michigan with his wife and children.

13 Comments

13 Comments

  1. Avatar

    Ali Colak

    September 16, 2015 at 7:40 PM

    Assalamualaykum,
    Though this dua is specifically prescribed in the case of a debt, is there anything in using it outside of that. It is one of the most beautiful duas I have read and has applications generally even in our everyday lives.

    • Avatar

      M.Mahmud

      September 21, 2015 at 3:05 AM

      Of course, the wording is amazingly comprehensive

  2. Pingback: Comment on Get Out of Debt with Dua by Ali Colak | Souqhub | Blog

  3. Avatar

    Haji Abdul Kareem Nandasena

    September 17, 2015 at 1:25 AM

    May ALLAAH Shower More Blessings upon You. WasSalaam.
    Haji Abdul Kareem Nandasena.
    Sri Lanka.

  4. Pingback: Comment on Get Out of Debt with Dua by Haji Abdul Kareem Nandasena | Souqhub | Blog

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    Sainsha Iqbal

    September 17, 2015 at 6:46 AM

    It is one of the most beautiful duas I have read and has applications generally even in our everyday lives & I Has been doing Regularly, Jazaak Allah_Qhair.

  6. Avatar

    Umm Hadi

    September 23, 2015 at 12:44 PM

    Asak,
    May Allah protect us all, keep us away from RIBA. Takabbal Allahu minna wa minkum
    RIBA – freewill slavery…..

    • Avatar

      Nnoor malaysia

      November 25, 2016 at 11:08 PM

      Ameen
      Alhamdulillah there is few things will refresh in mind to apply..
      InSha Allah for rest of life to get rid from bad..

  7. Pingback: Debt Duaa | Best Pennystocks

  8. Avatar

    Fatima

    September 9, 2016 at 4:29 AM

    This dua is undoubtedly the magical words – it is mesmerising that Allahtala taught us these words through Prophet Peace be upon him . It works better than magic .
    In just 3 months I had returned around £8k debts which wasn’t possible with my hand to mouth income .
    Subhanalllah
    May Allah protect all Muslims from unlawful income or deeds and forgive all of us Ameen ya rabbul alameen

  9. Avatar

    ahmad

    March 14, 2017 at 8:53 AM

    assalam alaykum

    thanks for beautiful dua
    allah will help us all and he will sure

  10. Avatar

    Asiah

    June 1, 2017 at 5:11 PM

    Jazakallah khayr for this dua, I have been having many health problems, one after another for many years now that paying off debt doesn’t seem possible. Been asking Allah to help me pay off debt, then this page came up in my search. Over a year ago I became a muslim and ever since I have been struggling to get out of riba. InshaAllah with this dua, Allah’s help will come.

  11. Avatar

    Bq Thoriqatul Jannah

    March 25, 2018 at 2:44 AM

    Assalamu’alaikum warahmahtullahi wabarokatuh thank you for the great Dua you tell me. I’m very happy with the results. May Allah bless you and your family

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The Hyperactive And Inattentive Child | Dr. Hatem Al Haj

Dr. Hatem El Haj M.D Ph.D

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child looking at cherry tree

Bismillah,

Some kids are fidgety and hyperactive, as if they are “driven by a motor,” constantly moving around, bouncing off the furniture, and unable to stay still and quiet. They may be also quite impulsive, so they can’t wait for their turn, blurt out answers before you finish your sentence, and intrude in on others. Others are inattentive and out of focus – almost always. They are disorganized and forgetful, and they lose their things regularly. These criteria could be bad enough to qualify for a diagnosis of ADHD, which is Attention Deficit And Hyperactivity Disorder. This disorder is characterized by inattention, hyperactivity, and impulsiveness. Some may have the inattention alone, others the hyperactivity alone, while a third group has both.

This spectrum of disorders may lead to poor performance in school, inconsistency in work, emotional immaturity, and social difficulties, but let us not forget that these kids may have some special strengths as well, such as their boundless energy, enthusiasm, humor, and creativity.

The diagnosis of ADHD will need a specialized health care provider to make, but the following tips will be helpful for kids who share some or all the aforementioned criteria, whether they have the disorder or not.

Since a big part of the problem that will lead to most of the difficulties in schooling is the disorganization and lack of focus, it is recommended that we help those kids stay organized and on task through the following measures:

o Consistent schedules and having daily routines even when it comes to the waking up rituals: going to the bathroom, brushing their teeth and putting on their clothes. (Older kids should have prayed fajr before sunrise.) Have the schedule on the refrigerator or bulletin board in their study or bedroom. (Don’t forget to schedule time for play and wholesome recreation.) Let the child be part of the planning and organizing process.

o Keep in the same place their clothes, backpacks, and school supplies. Use notebook organizers and color-coded folders. If you homeschool, make the day structured and buy them a desk where they can put their belongings, and if you send them to school, make sure they bring back written assignments.

o Decrease distractions as much as possible. If you home school, then I suggest for you to keep a quiet environment as much as possible and avoid excessiveness in decorating your house (particularly their study place) with knickknacks and pictures. Maybe this would provide us a reason to try (and hopefully appreciate) minimalism!

o TV and videogames are bad for all kids, and even worse for kids with ADHD, except when permissible programs are watched in moderation. See the AAP’s guidelines for “use in moderation.”

Some tips for parents and guardians

  • Consistent rules must be in place. Rewards must be given to the children when they follow them, and punishment must be judiciously used when the rules are broken.
  • Kids with this condition may have low self-esteem, and it is detrimental to their welfare to further lower it. Thus, praise good behaviors frequently even if they were little and expected, such as putting their shoes where they belong.
  • Do not be frustrated with the inconstancy of the child’s performance. He may get a 100% on one test and then fail the next. Use the first to encourage them and prove to them that he can do better.
  • One on one teaching/tutoring may be needed to enable the child to keep up with the schoolwork.

Should we use medication?

Medications are sometimes needed. You must consult your doctor regarding their use.

Here are my non-professional thoughts:

  • Prescribing those medications should never be a kneejerk reaction. First, we must be confident of the diagnosis, then, try all other modalities of therapy, and finally, entertain the option of pharmacological intervention.
  • Medicating the children should never be for the interest/comfort of the parents or teachers; it should be only for the interest of the child.
  • Medications should be tried if the child is failing to keep up with learning knowledge and skills s/he will need in their future, and other therapies failed to help them
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Loving Muslim Marriages Episode 3: Are Muslim Women Becoming Hypersexual?

Saba Syed (Umm Reem)

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Loving Muslim Marriage

Are Muslim women with sexual demands becoming “hyper-sexual,” being negatively influenced by life in a Western, post-sexual revolution society? Allah made both men and women sexual, and the recognition of a Muslim woman’s sexual needs is a part of the religion even if it seems missing from the culture. This segment is a continuation of the previous week’s segment titled, “Do Women Desire Sex?”

To view all videos in this series, as well as an links or articles referenced, please visit www.muslimmatters.org/LMM

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How Grandparents Can Be Of Invaluable Help In A Volatile ‘Me First’ Age

Dr. Muhammad Abdul Bari

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I grew up in a small rural village of a developing country during the 1950s and 1960s within a wider ‘extended’ family environment amidst many village aunties and uncles. I had a wonderfully happy childhood with enormous freedom but traditional boundaries. Fast forward 30 years, my wife and I raised our four children on our own in cosmopolitan London in the 1980s and 1990s. Although not always easy, we had a wonderful experience to see them grow as adults. Many years and life experiences later, as grandparents, we see how parenting has changed in the current age of confusion and technology domination.

While raising children is ever joyous for parents, external factors such as rapidly changing lifestyles, a breath-taking breakdown of values in modern life, decline of parental authority and the impacts of social media have huge impacts on modern parenting.

Recently, my wife and I decided to undertake the arduous task of looking after our three young grandchildren – a 5½-year old girl and her 2-year old sibling brother from our daughter, plus a 1½-year old girl from our eldest son – while their parents enjoyed a thoroughly deserved week-long holiday abroad. My wife, who works in a nursery, was expertly leading this trial. I made myself fully available to support her. Rather than going through our daily experiences with them for a week, I highlight here a few areas vis a vis raising children in this day and age and the role of grandparents. The weeklong experience of being full time carers brought home with new impetus some universal needs in parenting. I must mention that handling three young grandchildren for a week is not a big deal; it was indeed a sheer joy to be with these boisterous, occasionally mischievous, little kids so dear to us!

  1. Establish a daily routine and be consistent: Both parents are busy now-a-days earning a livelihood and maintaining their family life, especially in this time of austerity. As children grow, and they grow fast, they naturally get used to the daily parental routine, if it is consistent. This is vital for parents’ health as they need respite in their daily grind. For various practical reasons the routine may sometimes be broken, but this should be an exception rather than a norm. After a long working day parents both need their own time and rest before going to sleep. Post-natal depression amongst mums is very common in situations where there is no one to help them or if the relationship between the spouses is facing difficulty and family condition uninspiring.

In our trial case, we had some struggles in putting the kids to sleep in the first couple of nights. We also faced difficulties in the first few mornings when our grandson would wake up at 5.00am and would not go back to sleep, expecting one of us to play with him! His noise was waking up his younger cousin in another room. We divided our tasks and somehow managed this until we got used to a routine towards the end of the week.

  1. Keep children away from screens: Grandparents are generally known for their urge to spoil their grandchildren; they are more relaxed about discipline, preferring to leave that job to the parents. We tried to follow the parents’ existing rules and disciplinary measures as much as possible and build on them. Their parents only allow the children to use screens such as iPads or smartphones as and when deemed necessary. We decided not to allow the kids any exposure to these addictive gadgets at all in the whole week. So, it fell on us to find various ways to keep them busy and engaged – playing, reading, spending time in the garden, going to parks or playgrounds. The basic rule is if parents want their kids to keep away from certain habits they themselves should set an example by not doing them, especially in front of the kids.
  2. Building a loving and trusting relationship: From even before they are born, children need nurture, love, care and a safe environment for their survival and healthy growth. Parenting becomes enjoying and fulfilling when both parents are available and they complement each other’s duties in raising the kids. Mums’ relationship with their children during the traditional weaning period is vital, both for mums and babies. During our trial week we were keenly observing how each of the kids behaved with us. We also observed the evolution of interesting dynamics amongst the three; but that is a different matter. In spite of occasional hiccups with the kids, we felt our relationship was further blossoming with each of them. We made a habit of discussing and evaluating our whole day’s work at night, in order to learn things and plan for a better next day.

A grandparent, however experienced she or he may be, can be there only to lend an extra, and probably the best, pair of hands to the parents in raising good human beings and better citizens of a country. With proper understanding between parents and grandparents and their roles defined, the latter can be real assets in a family – whether they live under the same roof or nearby. Children need attention, appreciation and validation through engagement; grandparents need company and many do crave to be with their own grandchildren. Young grandchildren, with their innate innocence, do even spiritually uplift grandparents in their old age.

Through this mutual need grandparents can transfer life skills and human values by reading with them, or telling them stories or just spending time with the younger ones. On the other hand, in our age of real loneliness amidst illusory social media friends, they get love, respect and even tender support from their grandchildren. No wonder the attachment between grandparents and grandchildren is often so strong!

In modern society, swamped by individualism and other social ills, raising children in an urban setting is indeed overwhelming. We can no longer recreate ‘community parenting’ in the traditional village environment with the maxim “It needs a village to raise a child’, but we can easily create a productive and innovative role for grandparents to bring about similar benefits.

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