The World Federation One Stop Fiqh

Ask an Alim

I have a debt to repay, I can


Dear sir

I have a very very big problem. I took a loan from a bank 6 years ago, and slowly this debt has become too much for me to repay high, Nowadays I am in a very difficult position, my whole salary goes into my bank interest and I am taking more loans every month from my office friends and family.
Now no one can help me I am offering all prayers and duas ,I pray and cry in front of Allah “ALLAH FORGIVE MY SINS” also I am offering namaz-e-tahajud .
My mother and little children too are praying for my debt but I can’t see any result.
Kindly advise me  I am worried, Please give me an answer as soon as possible.



Salamun Alaykum

Thank you for your question. I am sorry to hear that you have been going through a difficult situation but have hope in Allah(swt) and He will definitely help you.

There are different supplications to increase Rizq. I will mention some of them, perform with the hope that Allah(swt) will bestow His blessings and mercies and help you in your tight situation.


A person whose sustenance is low and his livelihood is tight or who has an important worldly or hereafter need should write this supplication on a piece of white paper and throw it in running water at sunrise and write the names of Ahl al-Bayt in one line.

بِسْمِ اللَّهِ الرَّحْمنِ الرَّحِيمِ الْمَلِكِ الْحَقِّ الْمُبِينِ مِنَ الْعَبْدِ الذَّلِيلِ إِلَى الْمَوْلَى الْجَلِيلِ سَلَامٌ عَلَى مُحَمَّدٍ وَ عَلِيٍّ وَ فَاطِمَةَ وَ الْحَسَنِ وَ الْحُسَيْنِ وَ عَلِيٍّ وَ مُحَمَّدٍ وَ جَعْفَرٍ وَ مُوسَى وَ عَلِيٍّ وَ مُحَمَّدٍ وَ عَلِيٍّ وَ الْحَسَنِ وَ الْقَائِمِ سَيِّدِنَا وَ مَوْلَانَا صَلَوَاتُ اللَّهِ عَلَيْهِمْ أَجْمَعِينَ رَبِّ مَسَّنِيَ الضُّرُّ وَ الْخَوْفُ فَاكْشِفْ ضُرِّي وَ آمِنْ خَوْفِي بِحَقِّ مُحَمَّدٍ وَ آلِ مُحَمَّدٍ وَ أَسْأَلُكَ بِكُلِّ نَبِيٍّ وَ وَصِيٍّ وَ صِدِّيقٍ وَ شَهِيدٍ أَنْ تُصَلِّيَ عَلَى مُحَمَّدٍ وَ آلِ مُحَمَّدٍ يَا أَرْحَمَ الرَّاحِمِينَ اشْفَعُوا لِي يَا سَادَاتِي بِالشَّأْنِ الَّذِي لَكُمْ عِنْدَ اللَّهِ فَإِنَّ لَكُمْ عِنْدَ اللَّهِ لَشَأْناً مِنَ الشَّأْنِ فَقَدْ مَسَّنِيَ الضُّرُّ يَا سَادَاتِي وَ اللَّهُ أَرْحَمُ الرَّاحِمِينَ فَافْعَلْ بِي يَا رَبِّ كَذَا وَ كَذَا

Instead of  كَذَا وَ كَذَا write down your wish and need so that it will be fulfilled with the blessing of this Dua.

Biharul Anwar, vol 99, pg 236


A prayer to create love and abundance in sustenance:

اللَّهُمَّ اقْذِفْ فِي قُلُوبِ الْعِبَادِ مَحَبَّتِي وَ ضَمِّنِ السَّمَاوَاتِ وَ الْأَرْضَ رِزْقِي وَ أَلْقِ الرُّعْبَ فِي قُلُوبِ أَعْدَائِكَ مِنِّي وَ انْشُرْ رَحْمَتَكَ لِي وَ أَتْمِمْ نِعْمَتَكَ عَلَيَّ وَ اجْعَلْهَا مَوْصُولَةً بِكَرَامَتِكَ إِيَّايَ وَ أَوْزِعْنِي شُكْرَكَ وَ أَوْجِبْ لِيَ الْمَزِيدَ مِنْ لَدُنْكَ وَ لَا تُنْسِنِي ذِكْرَكَ وَ لَا تَجْعَلْنِي مِنَ الْغَافِلِين‏

Translation of some part of the above Dua

O Allah, put my love in the hearts of people and make the heavens and the earth the guarantor of my sustenance.

Biharul Anwar, vol 83, pg 146

Allamah Majlisi mentioned this dua among the Duas of the morning supplications and it is said in the narration that it should be recited 10 times, so this Dua can be recited after Fajr Salat. Although the best time of this dua is to recite after the morning prayers, but it can be recited at other times as well.


I will mention some other things which you can perform on a daily basis:

Please make sure along with all the Duas, you keep up your hard work and efforts in your work.

Who are Ahlul Bayt:

May Allah(swt) grant you success and help you in this hard time.


Syed Haider