Islamic dua-wazifa that can recover loan

People who give loans to the needy and debtors may sometimes face a challenge if they are unable to recover their money due to any reason -- but their first and last refuge should be Allah and His assistance.

While in Quran and Hadith we find no recommended or specific dua to recover loans, there is enough guidance on how to go about getting your money back while at the same time not resorting to actions that violate God's instructions.

While this dua is not explicitly mentioned in any main scriptures such Quran and Hadith, but it has always been recommended by scholars for any task that seems difficult or impossible. Due to the complexity of loan recovery issues sometimes where the borrower does seem to be in a position to return the money, this supplication is a must.

Tips for successful results

In order to gain maximum advantage and benefits from this dua, you should follow the rules that ensure fulfillment of any supplication or a wazifa. Here are the aspects that you must cover while your recitation.

1) Strong faith in God

Have full trust in the mercy, power and wisdom of Allah. When you recite this dua, recite as if your wish has already been fulfilled by God because of your strong unshakable faith in His attributes. Making prayers with weak faith often ends up without having satisfactory results.

Related: A powerful dua from Quran for most difficult tasks 

2) Be patient

Keep reciting and practicing the supplication until it is fulfilled by Allah. If you see that the borrower is not returning your money, stay patient. Impatience, frustration and anger don't work. Allah says in Surah Baqarah 280:

If the debtor is in a difficulty, grant him time till it is easy for him to repay, but if you give [from your right as] charity, then it is better for you, if you only knew.

Allah is not asking us to take the blessing of money for granted and simply allow people to get away with the habit of not repaying loans -- this can turn people into beggars. Rather He is asking us to have an open mind,  investigate and get to know the real circumstances of the debtor. If we find that he/she is really in trouble and isn't able to repay, then it is better for us to forgive as it will not only release them from the burden, but will also grow us in countless ways. It's God's promise !

3) Repent 

When we give loan to someone, we have no clue whether the borrower will be able to repay it or not. Allah does not make it obligatory for us to lend money to people if we don't have enough resources. 

Now that you have given the loan, the way out is to accept your weaknesses, vulnerability and have a trust in Gods' mercy, forgiveness and kindness. Repenting and seeking God's forgiveness creates miracles. 

Related: 6 Astaghfar duas from Quran & Hadith for repentance

But if you have decided to give money to someone as a loan, then you must stand true to yourself and to Allah's izn. Don't complain, don't panic. Just repent and review yourself.

Instead of beating yourself up about it and start complaining, you need to relax and see where you have been wrong in all of this.