📘 Seeking Refuge from Debt: A Prophetic Supplication and Its Wisdom
✍️ Written by: Imran Ayyub Lahori
❖ Introduction
The Prophet Muhammad ﷺ used to regularly seek refuge in prayer from both sins and debts. This reflects not only the seriousness of incurring debt but also the potential spiritual and moral consequences it can bring.
◈ The Prophetic Supplication
The Prophet ﷺ would say during his prayer:
❝اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْمَآثِمِ وَالْمَغْرَمِ❞
“O Allah! I seek refuge in You from sins and debt.”
◈ Why the Prophet ﷺ Sought Refuge from Debt
When someone asked the Prophet ﷺ why he sought protection from debt so frequently, he responded:
❝إِنَّ الرَّجُلَ إِذَا غَرِمَ حَدَّثَ فَكَذَبَ، وَوَعَدَ فَأَخْلَفَ❞
“When a man is in debt, he lies when he speaks and breaks promises when he makes them.”
📚 [Bukhārī: 2397 | Kitāb al-Istiqrāḍ wa Adāʾ ad-Duyūn: Chapter on Seeking Refuge from Debt]
✅ Summary of Key Points:
| Aspect | Detail |
|---|---|
| Prophetic habit | Regularly sought refuge from sins and debt |
| Reason for seeking refuge | Debt can lead to lying and breaking promises |
| Moral concern | Debt affects a person’s integrity and accountability |
| Lesson | Avoid unnecessary debt and uphold truthfulness and trust in all dealings |
