Whilst In a Shop/Market
لَا إِلٰهَ إِلَّا اللهُ وَحْدَهُ لَا شَرِيْكَ لَهُ ، لَهُ الْمُلْكُ وَلَهُ الْحَمْدُ ، يُحْيِيْ وَيُمِيْتُ ، وَهُوَ حَيٌّ لَا يَمُوْتُ ، بِيَدِهِ الْخَيْرُ ، وَهُوَ عَلَىٰ كُلِّ شَيْءٍ قَدِيْرٌ
Lā ilāha illā-llahu waḥdahū lā sharīka lah, lahu-l-mulku wa lahu-l-ḥamd, yuḥyī wa yumīt, wa Huwa Ḥayyun lā yamūt, bi yadihi-l-khayr, wa Huwa ʿalā kulli shay’in Qadīr.
There is no god but Allah. He is Alone and He has no partner. To Him Alone belong all sovereignty and all praise. He gives life and He gives death. He is Ever-Living and does not die. In His Hand is all good and He is over all things All-Powerful.
The Messenger of Allah ﷺ said: “Whoever says [the above] in the marketplace, Allah shall record a million good deeds for him, wipe a million evil deeds away from him, and raise a million ranks for him.” (Tirmidhī 3429)
When Burdened by Debts #1
اَللّٰهُمَّ اكْفِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ ، وَأَغْنِنِيْ بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allāhumma-k-finī bi-ḥalālika ʿan ḥarāmik, wa aghninī bi-faḍlika ʿamman siwāk.
O Allah, suffice me with Your lawful against Your prohibited, and make me independent of all those besides You.
ʿAlī (raḍiy Allāhu ‘anhu) narrated that a slave who was buying his freedom came to him and said: “I am unable to pay the price for my freedom, so help me.” He said: “Shall I not teach you words that the Messenger of Allah ﷺ taught me?” Were your debts like mountains, Allah would settle them for you. Say: [the above].” (Tirmidhī 3563)
When Burdened by Debts #2
اللَّهُمَّ رَبَّ السَّمَوَاتِ وَرَبَّ الأَرْضِ وَرَبَّ الْعَرْشِ الْعَظِيمِ ، رَبَّنَا وَرَبَّ كُلِّ شَىْءٍ ، فَالِقَ الْحَبِّ وَالنَّوَى وَمُنْزِلَ التَّوْرَاةِ وَالإِنْجِيلِ وَالْفُرْقَانِ ، أَعُوذُ بِكَ مِنْ شَرِّ كُلِّ شَىْءٍ أَنْتَ آخِذٌ بِنَاصِيَتِهِ ، اللَّهُمَّ أَنْتَ الأَوَّلُ فَلَيْسَ قَبْلَكَ شَىْءٌ ، وَأَنْتَ الآخِرُ فَلَيْسَ بَعْدَكَ شَىْءٌ، وَأَنْتَ الظَّاهِرُ فَلَيْسَ فَوْقَكَ شَىْءٌ ، وَأَنْتَ الْبَاطِنُ فَلَيْسَ دُونَكَ شَىْءٌ ، اقْضِ عَنَّا الدَّيْنَ وَأَغْنِنَا مِنَ الْفَقْرِ
Allāhumma Rabb-as-samāwāti wa Rabba-l-arḍi wa Rabba-l-ʿArshi-l-ʿaẓīm, Rabbanā wa Rabba kulli shay’, fāliqa-l-ḥabbi wa-n-nawā, wa munzila-t-tawrāti wa-l-injīli wa-l-furqān, aʿūdhu bika min sharri kulli shay’in Anta ākhidhun bi-nāṣiyatih, Allāhumma Anta-l-Awwalu fa-laysa qablaka shay’, wa Anta-l-Ākhiru fa-laysa baʿdaka shay’, wa Anta-ẓ-Ẓāhiru fa-laysa fawqaka shay’, wa Anta-l-Bāṭinu fa-laysa dūnaka shay’, iqḍi ʿanna-d-dayna wa aghninā mina-l-faqr.
O Allah, Lord of the heavens, Lord of the earth, Lord of the Magnificent Throne, our Lord and Lord of all things, Splitter of the seed and the date stone, the One who revealed the Torah, the Injeel and the Criterion (Qur’ān); I seek Your protection from the evil of every thing You hold by the forehead (i.e. fully control). You are the First and there is nothing before You. You are the Last and there is nothing after You. You are the Most High and there is nothing above You. You are the Most Near and there is nothing closer than You. Pay the debts on our behalf and relieve us from poverty.
Suhayl reports that Abū Sāliḥ would command us: “If one of you intends to go sleep, he should lie on his right side and say [the above].” Abū Saliḥ would narrate this from Abū Hurayrah (raḍiy Allāhu ‘anhu) who narrated it from the Prophet ﷺ. (Muslim 2713)
When Burdened by Debts #3
اَللّٰهُمَّ مَالِكَ الْمُلْكِ ، تُؤْتِي الْمُلْكَ مَنْ تَشَاءُ ، وَتَنْزِعُ الْمُلْكَ مِمَّنْ تَشَاءُ ، وَتُعِزُّ مَنْ تَشَاءُ ، وَتُذِلُّ مَنْ تَشَاءُ ، بِيَدِكَ الْخَيْرُ ، إِنَّكَ عَلَىٰ كُلِّ شَيْءٍ قَدِيْرٌ رَحْمٰنَ الدُّنْيَا وَالْآخِرَةِ وَرَحِيْمَهُمَا ، تُعْطِيْهِمَا مَنْ تَشَاءُ ، وَتَمْنَعُ مِنْهُمَا مَنْ تَشَاءُ ، اِرْحَمْنِيْ رَحْمَةً تُغْنِيْنِيْ بِهَا عَنْ رَّحْمَةِ مَنْ سِوَاكَ
Allāhumma Mālikal-mulk, tu’ti-l-mulka man tashā’, wa tanziʿu-l-mulka mim-man tashā’, wa tuʿizzu man tashā’, wa tudhillu man tashā’, bi-yadika-l-khayr, innaka ʿalā kulli shay’in Qadīr. Raḥmāna-d-dunyā wa-l-ākhirah wa Raḥīmahumā, tuʿṭīhimā man tashā’, wa tamnaʿu minhumā man tashā’, irḥamnī raḥmatan tughnīnī bihā ʿar-raḥmati man siwāk.
O Allah, Lord of the kingdom, You grant kingdom to whoever you will, and You take kingdom away from whoever You will. You honour whoever You will and You disgrace whoever You will. All good is in Your hands. You are All-Powerful over everything. (O) the Extremely Merciful and the Especially Merciful in this world and the hereafter; You give from them (this world and the hereafter) whomsoever You will and You withhold from them whomsoever You will. Have mercy on me which will leave me free of the mercy of those other than You.
Anas b. Mālik (raḍiy Allāhu ‘anhu) narrates that the Messenger of Allah ﷺ said to Muʿādh: “Shall I not teach you such a duʿā that if you had debt equal to Mount Uhud, Allah will pay it off for you. Say O Muʿādh: [the above].” (Ṭabarānī in Muʿjam al-Saghīr 558)
When Burdened by Debts #4
اَللّٰهُمَّ إِنِّيْ أَعُوْذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ ، وَأَعُوْذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوْذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ ، وَأَعُوْذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ
Allāhumma innī aʿūdhu bika min-l-hammi wa-l-ḥazan, wa aʿūdhu bika min-l-ʿajzi wa-l-kasal, wa aʿūdhu bika min-l-jubni wa-l-bukhl, wa aʿūdhu bika min ghalabati-d-dayni wa qahri-r-rijāl.
O Allah, I seek Your protection from anxiety and grief. I seek Your protection from inability and laziness. I seek Your protection from cowardice and miserliness, and I seek Your protection from being overcome by debt and being overpowered by men.
Abū Saʿīd al-Khudrī (raḍiy Allāhu ʿanhu) narrated that one day, the Messenger of Allah ﷺ entered the masjid. He saw a man from the Anṣār called Abū Umāmah (raḍiy Allāhu ʿanhu). He ﷺ asked, “What is the matter? Why are you sitting in the mosque when it is not the time for prayer?” He replied, “Never-ending worries and debts, O Messenger of Allah.” The Messenger of Allah ﷺ then asked, “Shall I not teach you words by which, when you say them, Allah will remove your worries, and settle your debts?” He replied, “Yes of course, O Messenger of Allah.” He ﷺ said, “Say in the morning and evening [the above].” Abū Umāmah (raḍiy Allāhu ʿanhu) said, “Then I did that, and Allah removed my worries and settled my debts.” (Abū Dāwūd 1555)
Supplication of the Borrower at the Time of Repayment
بَارَك اللَّهُ لَكَ فِي أهْلِكَ ومَالِكَ
Bāraka-llāhu laka fi ahlika wa mālik.
May Allah bless you in your family and wealth.
ʿAbdullāh b. Abī Rabīʿah (raḍiy Allāhu ‘anhu) related: “The Prophet ﷺ borrowed forty thousand (dirhams) from me. When some wealth came to him, he paid me back and said [the above].” (Ibn Mājah 2424)
For Abundance of Wealth #1
اللَّهُمَّ إِنِّي أَسْأَلُكَ عِلْمًا نَافِعًا ، وَرِزْقًا طَيِّبًا ، وَعَمَلًا مُتَقَبَّلًا
Allāhumma innī as’aluka ʿilma-n-nāfiʿā, wa rizqan ṭayyibā, wa ʿamalam-mutaqabbalā.
O Allah, I ask You for beneficial knowledge, wholesome sustenance, and deeds which are accepted.
Umm Salamah (raḍiy Allāhu ‘anhā) narrated that when the Prophet ﷺ performed the Fajr salāh, he would say [the above], while he said the salām. (Ibn Mājah 925)
For Abundance of Wealth #2
اللَّهُمَّ اغْفِرْ لِي ، وَاهْدِنِي ، وَارْزُقْنِي ، وَعَافِنِي ، أَعُوذُ بِاللَّهِ مِنْ ضِيْقِ الْمَقَامِ يَوْمَ الْقِيَامَةِ
Allāhumma ghfir lī wa-hdinī wa-rzuqnī wa āfinī, aʿūdhu bi-llāhi min ḍīqi-l-maqāmi yawma-l-qiyāmah.
O Allah, forgive me, guide me, grant me sustenance and wellbeing. I seek your protection from the anguish of standing on the Day of Judgement.
ʿĀsim b. Ḥumayd said, “I asked ʿĀ’ishah (raḍiy Allāhu ‘anhā) about what the Messenger of Allahﷺ used to start his night prayer with. She said, “You have indeed asked me something which no one before you has asked me. The Messenger of Allah ﷺ used to say [the above]” (Nasā’ī 1617).
For Abundance of Wealth #3
اَللَّهُمَّ إنِّي أَسْأَلُك مِنْ فَضْلِكَ وَرَحْمَتِكَ ، فَإِنَّهُ لاَ يَمْلِكُهَا إِلاَّ أَنْتَ
Allāhumma innī as’aluka min fadlika wa rahmatik, fa-innahū lā yamlikuhā illā Ant.
O Allah, I ask You from Your bounty and mercy, as no one has power over it except You.
ʿAbdullāh b. Masʿud (raḍiy Allāhu ʿanhu) narrated that the Prophet ﷺ hosted a guest so he sent a request for food from his wives but it was not found by any of them. So he said [the above]. He was then gifted a roasted lamb. He said, “This is from the bounty of Allah and we await His Mercy.” (Tabarāni in Mu’jam al-Kabir 10379)