7 steps to becoming debt-free

7/27/2019 7 Steps to Becoming Debt-Free

1/4

7 STEPSTO BECOMING DEBT-FREEHTTP://WWW.AL-MIFTAH.COM/2013/08/29/7-STEPS-TO-BECOMING-DEBT-FREE/Many people, at some point in their lives end up in financial debt. Nobody likes it, but it just happens. Taking loans is perfectly permissible in Islam, as long

as it doesnt entail riba (usury) and it isnt for a purpose that is against Islam.

Hereunder are seven ways to remove the noose of debt from our necks.

Duas for the Fulfillment of Debts

1) Sayyidatuna Aishah (radiyallahuanha) says: Rasulullah (sallallahualaihi wasallam) would seek refuge from debts at the end of

his Salah (i.e, before the salam). When he was asked about why he did it so frequently, Rasulullah (sallallahualaihi wasallam) said:

When a man falls in to debt, he speaks lies and breaches his promises.

(Sahih Bukhari, hadith: 832& 2397)

The words of that dua are: Allahumma innee aoodhu bika minal ma-thami wal maghram

O Allah! I seek your protection from sin and debts.

Note: If one cannot recite this before the salam, one could recite it after the salam with the hope that Allah Taala accepts it.

2) Rasulullah (sallallahu alaihi wasallam) taught the following dua to Sayyiduna Muad ibn Jabal (radiyallahuanhu) for removal of

debts:

Allahumma Malikal Mulk, Tu-til Mulka man tasha-u watanziul Mulka mimman tasha-u, wa tuizzu man tasha-u, watudhillu mahtasha-u, biyadikal khairu

innaka ala kulli shai-in Qadeer.

Rahmanad Dunya wal Akhirati tutihima man tasha-u wa tamnau minhuma man tasha-u irhamnee Rahmatan min indik, tughni nee biha an Rahmati man

siwak
http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/http://www.al-miftah.com/2013/08/29/7-steps-to-becoming-debt-free/


2/4

Translation: O Allah! possessor of the kingdom, You give the kingdom to whom You will, and You take the kingdom from whom You will,

and You endow with honor whom You will. In Your Hand is all good. Verily, You are Able to do all things. You make the night to enter into

the day, and You make the day to enter into the night (i.e. increase and decrease in the hours of the night and the day during winter and

summer), You bring the living out of the dead, and You bring the dead out of the living. And You give wealth and sustenance to whom You

will, without limit (measure or account). O Most Merciful of this world and the Hereafter, You give from them whatever You wish and You

deprive whomsoever You wish. Shower upon me such mercy, which will make me independent from the mercy of those besides You.

Rasulullah (sallallahualaihi wasallam) said to Sayyiduna Muadh (radiyallahuanhu):

If you recite this dua, your debts will be cleared even if they equal to mount Uhud.

(al-Mujam al-saghir; see Majmauz Zawaid vol.10 pg.186).

Hafiz al-Haythami (rahimahullah) has classified its narrators as reliable and Allamah Mundhiri (rahimahullah) has declared the chain as

good. (Majmauz Zawaid vol.10 pg.186 & Targheeb, vol.2 pg.614)

In another narration, Rasulullah (sallallahualaihi wasallam) is reported to have taught a similar dua to Sayyiduna Abu Bakr

(radiyallahuanhu). (Mustadrak Hakim, vol.1 pg.515) In a narration of Ibn Abi Shaybah, Abdullah ibn Sabit says: Rasulullah

(sallallahualaihi wasallam) would himself recite these words and give it great importance. (see Shaykh Awwamahs footnote on Majalis

of Ibn Nasirud Deen, pg.201)

The words are: Allahumma Farijal hammi Kashifal ghammi Mujeeba dawatil Mudtarreen, Rahmaanad Dunya wal Akhirati wa Raheemahuma irhamnil yawma Rahmatan

wasiatan tughni nee biha ar Rahmati man siwak

3) Sayyiduna Ali (radiyallahuanu) said that Rasulullah (sallallahu alaihi wasallam) prescribed the following dua for the settling of

debts:

Allahummak finee bi halalika an haramik wa aghninee bi fadhlika amman siwak.

Translation: O Allah! Let the Halal things you provide suffice me from haram, and by Your Grace, keep me independent from all besides

You.


3/4

(Sunan Tirmidhi Imam Tirmidhi rahimahullah has classified this narration as hasan (sound) hadith 3563.)

4) In a narration of Sunan Abi Dawud, Sayyiduna Abu Saeed (radiyallahu anhu) reported that Rasulullah (sallallahu alaihi wasallam)

taught an Ansari Sahabi the following dua for the repayment of his overwhelming debts:

Allahumma innee aoodhu bika minal hammi wal hazan, wa aoodhu bika minal ajzi wal kasl, wa aoodhu bika minal jubni wa bukhl, wa aoodhu bika min

ghalabatid dayn wa qahrir rijal.

Translation: O Allah! I seek refuge in You from worries and difficulty, and I seek refuge in You from inability and laziness, and I seek

refuge in You from cowardice and miserliness, and I seek refuge in You from the dominance of debt and being subjected to man.

Note: This dua should be recited morning and evening.

(Abu Dawud, hadith 1550)

5) Recite abundantly: Laa Hawla walaa quwwata illa billah

(Sunan Tirmidhi and Mustadrak Hakim, see Targheeb, vol.2 pgs.444 & 617)

Repentance

6) Abundant Istighfar (seeking forgiveness) is also a potent way to remove financial and other worries. (surah Nuh, Ayah: 10-11)

Rasulullah (sallallahualaihi wasallam) has said: Whoever steadily recites istighfar (like the words: Astaghfirullah) will find Allah creating

ease for him from every difficulty and relief from every worry and Allah will provide sustenance for him from where he cannot fathom

(Sunan Abi Dawud, hadith: 1513. Imam Hakim has declared this narration as sahih-authentic- see Targheeb, vol.2, pg.617)

Intention

7) Most important is ones intention to repay the debt. The hadith promises Allahs help for those who sincerely want to settle their


4/4

debts. (Sahih Bukhari, Hadith: 2387, also see Targheeb, vol.2 pg.598)

May Allah Taala keep us all debt free. Ameen.

7 steps to becoming debt-free

Documents