O Allah, I seek refuge in You from helplessness, laziness, miserliness, cowardic — കരുത്ത്

اللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ وَالْبُخْلِ وَالْجُبْنِ وَغَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ

ലിപ്യന്തരണം: Allahumma inni a'udhu bika minal-'ajzi wal-kasali wal-bukhli wal-jubni wa ghalabatid-dayni wa qahrir-rijal

വിവർത്തനം: O Allah, I seek refuge in You from helplessness, laziness, miserliness, cowardice, being overcome by debt, and overpowered by people.