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

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

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

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