Many Muslims search for a dua for wealth and provision, including a widely circulated supplication that begins with the words: “Ya Kareem, O Allah, Possessor of vast mercy.”
The supplication asks Allah for His generosity, relief, and sufficient provision. This raises an important question: Is this dua authentically reported from Prophet Muhammad, or from the early generations of Muslims? Is there an authentic story associated with it?
Is the “Ya Kareem” Dua Authentic for Wealth?
The circulated supplication begins with:
“Ya Kareem, O Allah, Possessor of vast mercy, Knower of secrets, hearts, thoughts, and inner concerns; nothing is hidden from You. I ask You for an abundance from the overflowing bounty of Your grace, a portion of the light of Your authority, and comfort and relief from the ocean of Your generosity...”
This wording has not been established as a prophetic supplication or as a supplication reported from the early righteous generations.
Therefore, it should not be attributed to Prophet Muhammad as an established prophetic dua, nor should it be presented as a specific Sunnah supplication for attracting wealth and provision.
Is There an Authentic Story Behind This Dua?
There is no established authentic report, among the relevant transmitted narrations, connecting this specific wording with the Prophet or his Companions.
It is important to distinguish between general supplication, in which a Muslim may ask Allah using sound and appropriate words, and a prophetic supplication whose wording and virtue are specifically established.
Can You Make Dua Using “Ya Kareem”?
A Muslim may call upon Allah by His names and attributes and make supplications containing sound meanings, provided they do not contain anything prohibited.
However, a person should not believe that a particular formula has a special virtue or is a prescribed means of obtaining wealth and provision unless there is evidence establishing that.
A person seeking provision may therefore ask Allah directly and use established supplications reported from the Prophet.
Prophetic Dua for Debt and Freedom From Poverty
A comprehensive supplication reported from the Prophet includes:
“O Allah, Lord of the heavens, Lord of the earth, and Lord of the Mighty Throne, our Lord and Lord of everything, Splitter of the seed and date stone, Revealer of the Torah, Gospel, and Criterion. I seek refuge in You from the evil of everything You control. O Allah, You are the First, so there is nothing before You; You are the Last, so there is nothing after You; You are the Manifest, so there is nothing above You; and You are the Hidden, so there is nothing beneath You. Settle our debt and enrich us so that we are free from poverty.”
This is a comprehensive supplication asking Allah for relief from debt and freedom from poverty.
Dua for Debt, Worry, and Distress
The Prophet also taught Abu Umamah, may Allah be pleased with him, a supplication after he complained of worry and debt:
“O Allah, I seek refuge in You from worry and grief, and I seek refuge in You from incapacity and laziness, and I seek refuge in You from cowardice and miserliness, and I seek refuge in You from overwhelming debt and being overcome by others.”
It was reported as a supplication to be recited in the morning and evening.
Dua Seeking Protection From Poverty
Another reported supplication seeks Allah’s protection from poverty, scarcity, and humiliation:
“O Allah, I seek refuge in You from poverty, scarcity, and humiliation, and I seek refuge in You from wronging others or being wronged.”
A Muslim may also ask Allah for lawful provision, blessing, relief from debt, and sufficiency through His grace.
Conclusion
The “Ya Kareem, O Allah of vast mercy” supplication has not been established from Prophet Muhammad or the early righteous generations in this particular wording, and no authentic story is established that makes it a specific dua for attracting wealth and provision.
Supplicating to Allah for lawful provision, sufficiency, and relief from debt is permissible, and authentic prophetic supplications address these needs, including the request: “Settle our debt and enrich us so that we are free from poverty,” as well as the supplication seeking protection from overwhelming debt and being overcome by others.
Is the “Ya Kareem” dua authentic?
Its specific wording has not been established as a prophetic supplication.
Is there an authentic story behind the “Ya Kareem” dua?
No authentic story establishing its connection to the Prophet or his Companions is known.
Can I make dua to Allah for wealth and provision?
Yes. A Muslim may ask Allah for lawful provision, blessing, sufficiency, and relief from debt.
What is a prophetic dua for debt?
Among the reported supplications is: “Settle our debt and enrich us so that we are free from poverty.”
Is there a dua for protection from overwhelming debt?
Yes. Among the reported supplications is seeking refuge from “overwhelming debt and being overcome by others.”
