Pronunciation: Allahumma inni a’oo-zu bika mi-nal-ham-mi wal-hazn, wa a’oo-zu bika mi-nal 'aj-zi wal-ka-sal, wa a’oo-zu bika mi-nal jub-ni wal-bukhl, wa a’oo-zu bika min gaa-la-ba tid-daynee wa khah-rir-ri-jaal.
Meaning: O Allah! I seek refuge with You from worry and grief, from incapacity and laziness, from cowardice and miserliness, from being heavily in debt and from being overpowered by (other) men.
Virtue: The Messenger of Allah sallallahu ‘alaihi wa sallam entered the mosque one day and saw an Ansari (a resident of Madinah) man there by the name of Abu Umamah. The Prophet Muhammad sallallahu ‘alaihi wa sallam asked him:
‘O Abu Umamah, why are you sitting in the mosque at a time that is not a prayer time?’ He replied: ‘I was forced to do so by sorrow and debt.’ The Messenger of Allah sallallahu ‘alaihi wa sallam then asked: ‘Shall I teach you a supplication by which Allah will remove your sorrow and pay for you your debts?’ He answered: ‘O yes, Messenger of Allah!’ The Prophet sallallahu ‘alaihi wa sallam then said: ‘Say every morning and evening above dua.
"O Allah, I seek refuge with You from anxiety and sorrow, weakness and laziness, miserliness and cowardice, the burden of debts and from being over powered by men."
Abu Umamah said: ‘I did that and Allah removed my distress and paid for me my debt.’
(i) anxiety - to be worried about the future
(ii) sorrow - to be in grief about the past
(iii) weakness - incapability in doing something good
(iv) laziness - being lackadaisical
(v) miserliness - being stingy in spending in good
(vi) cowardice - being afraid of standing for the truth
(vii) the burden of debt - being heavily in debt and unable to pay back
(viii) from being overpowered by men - being overpowered by someone unjustly
Reference: Sahih al-Bukhari 6369