Quran & Hadith

Declaration of War from Allah and His Messenger
"O you who believe! Fear Allah and give up what remains of ribā, if you are truly believers. And if you do not, then be informed of a war from Allah and His Messenger..."
(Surah Al-Baqarah 2:278-279)
Ribā Destroys Wealth Spiritually
"Allah destroys ribā and gives increase for charity."
(Surah Al-Baqarah 2:276)
All Participants Are Cursed
The Prophet ﷺ said:
"Allah has cursed the one who consumes ribā, the one who gives it, the one who writes it down, and the two who witness it." He said: "They are all the same."
(Sahih Muslim, 1598)
A Major Sin Worse than Zina in Some Cases
The Prophet ﷺ said:
"A dirham of ribā that a person consumes knowingly is worse than committing zina thirty-six times."
(Reported in Musnad Ahmad, classified Hasan by scholars)
The Divine Command to Fulfill Contracts
"O you who believe! Fulfill all contracts and covenants."
(Surah Al-Ma'idah 5:1)
Writing Down and Documenting Debts
"O you who believe! When you contract a debt for a specified term, write it down. And let a scribe write between you in justice..."
(Surah Al-Baqarah 2:282 — Ayat al-Dayn)
Muslims Must Abide by Agreed Conditions
The Prophet ﷺ said:
"Reconciliation is permissible among Muslims, except for reconciliation that makes a lawful thing unlawful or an unlawful thing lawful. And Muslims must abide by their conditions and agreements."
(Sunan Abi Dawud 3594, Jami' at-Tirmidhi 1352 — Hasan Sahih)
Barakah in Clear and Truthful Agreements
The Prophet ﷺ said:
"The two parties to a transaction have the choice until they part. If both are truthful and clarify everything, their transaction will be blessed. But if they conceal and tell lies, the blessing of their transaction will be wiped out."
(Sahih al-Bukhari 2079, Sahih Muslim 1532)
The Divine Command: Establishing Salah & Paying Zakat
"And establish prayer and give zakah, and whatever good you put forward for yourselves – you will find it with Allah. Indeed, Allah of what you do, is Seeing."
(Surah Al-Baqarah 2:110)
Purification and Spiritual Growth Through Zakat
"Take from their wealth a charity by which you purify them and cause them increase, and invoke [Allah's blessings] upon them. Indeed, your invocations are reassurance for them. And Allah is Hearing and Knowing."
(Surah At-Tawbah 9:103)
The Eight Prescribed Beneficiaries of Zakat
"Zakat expenditures are only for the poor and for the needy and for those employed to collect [zakat] and for bringing hearts together [for Islam] and for freeing captives [or slaves] and for those in debt and for the cause of Allah and for the [stranded] traveler - an obligation [imposed] by Allah. And Allah is Knowing and Wise."
(Surah At-Tawbah 9:60)
Zakat is a Foundation Pillar of Islam
The Prophet ﷺ said:
"Islam has been built upon five [pillars]: testifying that there is no deity worthy of worship except Allah and that Muhammad is the Messenger of Allah, establishing the prayer, paying the zakat, making the pilgrimage to the House, and fasting in Ramadan."
(Sahih al-Bukhari 8, Sahih Muslim 16)
Charity Does Not Decrease Wealth
The Prophet ﷺ said:
"Charity does not decrease wealth, no one forgives another except that Allah increases his honor, and no one humbles himself for the sake of Allah except that Allah raises his status."
(Sahih Muslim 2588)
Severe Consequence of Withholding Zakat
The Prophet ﷺ said:
"Whoever is given wealth by Allah and does not pay its zakat, his wealth will be made into a bald poisonous snake with two black spots over its eyes on the Day of Resurrection. It will encircle his neck, bite him on both cheeks, and say: 'I am your wealth, I am your treasure.'"
(Sahih al-Bukhari 1403)
Du'as for Halāl Wealth & Pure Provision
Du'a for Protection from Unlawful Wealth
Arabic:
اللَّهُمَّ اكْفِنِي بِحَلَالِكَ عَنْ حَرَامِكَ، وَأَغْنِنِي بِفَضْلِكَ عَمَّنْ سِوَاكَ
Transliteration:
Allāhumma-kfinī bi-ḥalālika 'an ḥarāmik, wa aghninī bifaḍlika 'amman siwāk.
Meaning:
"O Allah, suffice me with what You have made lawful from what You have made unlawful, and enrich me by Your bounty from all besides You."
Source: Reported by Tirmidhī (Hadith 3563 - Hasan)
Du'a for Halāl Rizq & Pure Provision
Arabic:
اللَّهُمَّ إِنِّي أَسْأَلُكَ رِزْقًا طَيِّبًا، وَعِلْمًا نَافِعًا، وَعَمَلًا مُتَقَبَّلًا
Transliteration:
Allāhumma innī as'aluka rizqan ṭayyibā, wa 'ilman nāfi'ā, wa 'amalan mutaqabbalā.
Meaning:
"O Allah, I ask You for pure provision, beneficial knowledge, and accepted deeds."
Source: Sunan Ibn Mājah, 925
Du'a for Relief from Debt & Financial Worry
Arabic:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْهَمِّ وَالْحَزَنِ، وَالْعَجْزِ وَالْكَسَلِ، وَالْبُخْلِ وَالْجُبْنِ، وَضَلَعِ الدَّيْنِ، وَغَلَبَةِ الرِّجَالِ
Transliteration:
Allāhumma innī a'ūdhu bika minal-hammi wal-ḥazan, wal-'ajzi wal-kasal, wal-bukhli wal-jubn, wa ḍala'id-dayni wa ghalabatir-rijāl.
Meaning:
"O Allah, I seek refuge in You from grief and sadness, from weakness and laziness, from miserliness and cowardice, from being overcome by debt and overpowered by men."
Source: Sahih al-Bukhari 2893
Du'a for Protection from Poverty & Debt
Arabic:
اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْكُفْرِ وَالْفَقْرِ، وَمِنْ عَذَابِ الْقَبْرِ
Transliteration:
Allāhumma innī a'ūdhu bika minal-kufri wal-faqr, wa min 'adhābil-qabr.
Meaning:
"O Allah, I seek refuge in You from disbelief, poverty, and the punishment of the grave."
Source: Sunan Abu Dawud
Du'a When Giving Zakat or Charity
Arabic:
اللَّهُمَّ اجْعَلْهَا مَغْنَمًا وَلَا تَجْعَلْهَا مَغْرَمًا
Transliteration:
Allāhumma-j'alhā maghnaman wa lā taj'alhā maghramā.
Meaning:
"O Allah, make it a gain [in reward and blessings] and do not make it a loss [or a burden]."
Source: Sunan Ibn Mājah (Hadith 1795)
Du'a for Acceptance of Charity & Deeds
Arabic:
رَبَّنَا تَقَبَّلْ مِنَّا إِنَّكَ أَنْتَ السَّمِيعُ الْعَلِيمُ
Transliteration:
Rabbanā taqabbal minnā innaka antas-Samī'ul-'Alīm.
Meaning:
"Our Lord, accept [this] from us. Indeed, You are the Hearing, the Knowing."
Source: Surah Al-Baqarah (2:127)
Du'a for Blessing the Wealth of the Zakat Giver
Arabic:
اللَّهُمَّ صَلِّ عَلَيْهِمْ وَبَارِكْ لَهُمْ فِي أَمْوَالِهِمْ
Transliteration:
Allāhumma ṣalli 'alayhim wa bārik lahum fī amwālihim.
Meaning:
"O Allah, send blessings upon them and bless them in their wealth."
Source: Sahih al-Bukhari 1497 & Surah At-Tawbah (9:103)