اللهم اني أعوذ بك من الهم والحزن ومن العجز والكسل ومن الجبن والبخل ومن غلبة الدين وقهر الرجال
Allāhumma innī aʿūdhu bika mina l-hammi wa-l-ḥazan, mina l-ʿajzi wa-l-kasal, mina l-jubni wa-l-bukhl, min ghalabati l-dayni wa qahri l-rijāl
A prayer for refuge in God from cares, weakness, laziness, cowardice, miserliness, heavy debt and the tyranny of men; said in trouble or grave concern.
What it means
The prayer seeks God’s refuge from burdens of the heart and failings of conduct: hamm, anxiety about what lies ahead, and ḥazan, grief over what is past; ʿajz, inability, and kasal, laziness; jubn, cowardice, and bukhl, miserliness; the weight of debt and the domination of other people. Sahih al-Bukhari reports from Anas that the Prophet often prayed in these words. A Muslim says it when facing trouble or grave concern, and it asks for the strength to act as well as for relief.
Term and Arabic as listed in Ismail al Faruqi, Toward Islamic English (International Institute of Islamic Thought, 1995), p. 61, listed as ALLAHUMMA INNĪ A‘ŪDHU BIKA MIN AL HAMM WAL ḤAZAN, MIN AL ‘AJZI WAL KASAL, MIN AL JUBNI WAL BUKHL, MIN GHALABAH AL DAYN WA QAHR AL RIJĀL.. The definition is restated here.