Settling Debts through Charity and Prayer Taught by Ustaz Adi Hidayat and Ustaz Khalid Basalamah. Islamic Tips to Free Yourself from Debt and Poverty.
Settling debts can be a burdensome issue faced by many individuals. Debt can become a heavy burden if not paid off promptly, and it may even bring about punishment for those who neglect their obligations. Therefore, Islam teaches us to make every effort to repay our debts as soon as possible and not to procrastinate in making payments.
Charity to Parents, Siblings, and Neighbors
One effective way to help settle our debts is through charitable acts. Charity involves giving a portion of our wealth to those in need without expecting anything in return. Charity can increase our sustenance and erase our sins.
However, not everyone is deserving of our charity. Ustaz Adi Hidayat, in one of his lectures, explains that there are three categories of people who should be given priority when it comes to charity. They are our parents, siblings, and neighbors.
Our parents are the individuals most deserving of our love and assistance. They have raised and nurtured us with selfless devotion. By giving charity to our parents, we can attain the pleasure of Allah and their blessings.
Siblings share the same blood as us. They are our closest companions who are there for us in times of joy and sorrow. By giving charity to our siblings, we can maintain strong family ties and brotherhood.
Neighbors are the people who live in close proximity to us. They are the ones who can assist us in times of emergency or difficulty. By giving charity to our neighbors, we can establish good and harmonious relationships.
Ustaz Adi Hidayat advises us to give charity to these three groups before giving to others. By doing so, God willing, our debts will be settled easily.
Prayer to Settle Debts as Taught by Prophet Muhammad (PBUH)
In addition to charity, another way to help settle our debts is through prayer. Prayer is the weapon of a believer that can alter destiny. It is also an expression of our submission and trust in Allah SWT.
There are several prayers taught by Prophet Muhammad (PBUH) to settle debts. One of them is a prayer shared by Ustaz Khalid Basalamah in one of his YouTube videos. This prayer is best recited every day after performing the obligatory prayers.
The following is the prayer to settle debts taught by Prophet Muhammad (PBUH):
اَللّٰهُمَّ اكْفِنِيْ بِحَلَالِكَ عَنْ حَرَامِكَ وَأَغْنِنِيْ بِفَضْلِكَ عَمَّنْ سِوَاكَ
Allahumma kfini bihalalika 'an haramika wa aghnini bifadlika 'amman siwaka
Meaning: O Allah, suffice me with what is lawful and keep me away from what is forbidden, and enrich me from Your bounty that surpasses all others.
This prayer is a supplication for lawful and blessed sustenance from Allah SWT. With this prayer, we beseech Allah to provide us with enough sustenance to meet our needs and settle our debts. It is also a prayer for protection from unlawful provisions and reliance on anyone other than Allah SWT.
Conclusion
Debt is a problem that can affect anyone. If left unpaid, debt can become a heavy burden and may even result in punishment. Therefore, Islam teaches us to make every effort to settle our debts as soon as possible and not to delay payment.
One effective way to settle debts is through charitable acts. Charity involves giving a portion of our wealth to those in need without expecting anything in return. By engaging in acts of charity, we can increase our sustenance and cleanse ourselves of sins.
However, it is essential to be mindful of the deserving recipients of our charity. Ustaz Adi Hidayat emphasizes three categories of individuals who should be prioritized when giving charity: parents, siblings, and neighbors.
Parents hold a special place in our lives and are deserving of our love and support. They have selflessly raised and nurtured us, and by extending charity to our parents, we can seek the pleasure of Allah and receive their blessings.
Siblings, who share the same blood as us, are our closest companions. Through acts of charity towards our siblings, we can strengthen family bonds and foster a sense of brotherhood.
Neighbors, those who reside in close proximity to us, often play a significant role in our lives. They can provide assistance and support in times of need. By extending charity to our neighbors, we can cultivate positive and harmonious relationships within our community.
Ustaz Adi Hidayat advises us to prioritize these three groups when engaging in acts of charity, as it can help facilitate the settlement of our debts.
In addition to charity, prayer is another powerful tool to settle debts, as taught by Prophet Muhammad (PBUH). Prayer serves as a means of communication and submission to Allah SWT.
Prophet Muhammad (PBUH) has taught various prayers to settle debts. One such prayer, shared by Ustaz Khalid Basalamah, is recommended to be recited daily after performing the obligatory prayers.
The prayer is as follows:
"O Allah, suffice me with what is lawful and keep me away from what is forbidden, and enrich me from Your bounty that surpasses all others."
This prayer serves as a supplication for lawful sustenance and blessings from Allah SWT. By reciting this prayer, we humbly beseech Allah to provide us with sufficient means to meet our needs and settle our debts. It is also a prayer seeking protection from unlawful provisions and dependence on anything or anyone other than Allah SWT.
In conclusion, debt is a common issue faced by many individuals. Islam teaches us the importance of promptly settling our debts and not delaying payments. Through acts of charity, specifically directed towards parents, siblings, and neighbors, we can seek the pleasure of Allah and facilitate the resolution of our debts.
Additionally, prayers serve as a powerful means to seek Allah's assistance in settling our financial obligations. By combining charitable acts and prayers, we can find ease in the process of settling our debts and experience the abundance of sustenance bestowed upon us by Allah SWT.
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