Authentic Ruqyah Library

4. Life Needs (General Duas — Not Ruqyah)General Dua (Not Ruqyah) (Tier C)

Supplications for Debt Relief and Halal Provision

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Notice (Tier C — General Supplication, Not Specific Ruqyah): There is no authentic specific 'ruqyah' for matters like delayed marriage or provision. These are general prophetic and Quranic supplications for life needs, not magic-breaking rituals.

Context & Islamic Significance

Important Notice: This is a general authentic supplication for life needs, not a ruqyah. There is no 'magic-breaking ruqyah' for debt in Islam. The Prophet (ﷺ) sought refuge from the heavy burden of debt and anxiety (Sahih al-Bukhari 6369) and taught Ali (r.a.) words that enable paying off mountain-sized debts (Tirmidhi 3563).

📖Verses & Hadiths for Recitation

2 texts / references
HadithJami` at-Tirmidhi 3563• Hasan
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Transliteration (English (Latin)):

Allahummak-finee bi-halalika 'an haramika, wa aghninee bi-fadlika 'amman siwaak.

Translation & Meaning:

Ali (may Allah be pleased with him) taught: 'O Allah! Satisfy me with Your lawful against Your unlawful, and enrich me with Your bounty from other than You.'

Source: Jami` at-Tirmidhi English

HadithSahih al-Bukhari 6369• Sahih
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْجُبْنِ وَالْبُخْلِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ
Transliteration (English (Latin)):

Allahumma innee a'oodhu bika minal-hammi wal-hazani, wal-'ajzi wal-kasali, wal-jubni wal-bukhli, wa dala'id-dayni wa ghalabatir-rijaal.

Translation & Meaning:

O Allah, I seek refuge in You from grief and sadness, from weakness and laziness, from cowardice and miserliness, from being heavily in debt and from being overpowered by people.

Source: Sahih al-Bukhari 6369

🌿How to Perform (According to Sunnah)

After obligatory prayers, in prostration (sujood), and during the last third of the night, consistently recite these authentic supplications. Strive in lawful earning and avoid unlawful means.

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Important Safety & Shariah Note

Ruqyah is a means of seeking Allah's protection and healing; it does not replace medical care. Always consult qualified healthcare professionals for illnesses. Never wear amulets/talismans or visit fortune-tellers/sorcerers.

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