These are supplications about debt and provision. Their Arabic is on this page; this narration gives their meaning. They ask Allah for help. They do not replace the duty to repay what is owed, or to seek lawful earning. For the rulings, see the lessons on debt, business and employment, and on halal earning and spending.

The Qur'an records the words of two prophets in need. Musa, having helped two women water their flocks, went back to the shade and said: “My Lord, indeed I am, for whatever good You would send down to me, in need.” And Isa, son of Maryam, prayed: “And provide for us, and You are the best of providers.”

Anas ibn Malik reported that the Prophet, peace be upon him, used to seek refuge in words whose meaning is: “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.” That is in Sahih al-Bukhari.

And Ali taught a man who could not pay his debt a supplication he had learned from the Prophet. Its meaning is: “O Allah, suffice me with Your lawful against Your prohibited, and make me independent of all those besides You.” It is in Sunan at-Tirmidhi, and graded good by al-Albani and others.

So, in practice: say the supplication for refuge from worry, grief and debt; when a debt weighs on you, say the supplication taught by Ali; and plan to repay what you owe. The supplication asks for Allah's help, and the debt remains owed. For the Arabic of each supplication, learn from a teacher or a verified recording.