Introduction of prayer:
This prayer is from Surah Ali ‘Imran, verse: 27. This verse is recommended to be recited to get back money from debtors by Islamic Scholars. This verse declares the supreme reality that Allah Almighty is the Controller of each and every object of the universe. He the Exalted causes the night to pass into day and the day into night. He has the unrivalled power of bringing the living out of the dead such as , a chick from an egg , or a tree from a seed or a human infant from a sperm. He the Exalted brings out the dead from living such as eggs from birds and sperms from human and dried grains from plants.
Explanation & ProvisionVirtues of prayer:
1- تُولِجُ ٱلَّيْلَ فِى ٱلنَّهَارِ وَتُولِجُ ٱلنَّهَارَ فِى ٱلَّيْلِ ۖ(You cause the night to pass into the day and the day into the night):
Qur’an describes the great attributes of the Lord, the All Powerful, the All Controller of the universe. He Almighty has the full control and authority over His creatures. He makes the day to enter the day into night and makes the night to enter into day. He takes from the length of one of them and add it to the shortness of the other, so that they become equal, and takes from the length of one of them and add it to the other so that they are not equal. This occurs throughout the seasons of the year: spring, summer, fall and winter.
2- وَتُخْرِجُ ٱلْحَىَّ مِنَ ٱلْمَيِّتِ وَتُخْرِجُ ٱلْمَيِّتَ مِنَ ٱلْحَىِّ ۖ(You bring forth the living from the dead and the dead from the living)
The second manifest of His control and authority is that He the Exalted brings out the seed from the plant and the plant from the seed; the date from its seed and the date’s seed from the date; the faithful from the disbeliever and the disbeliever from the faithful; the chicken from the egg and the egg from the chicken, etc.
It only goes to show that Allah’s perfect power exercises absolute control over all phenomena, both physical and spiritual, through which He can make a Muslim out of a Kafir, a perfect believer out of a staunch disbeliever, a scholar out of an ignorant person – if He so wills. And if He so wills, He can let a believer turn into a disbeliever or a rustic into a scholar. He brought Ibrahim (علیہ السلام) out of an idol-worshipper. He let the son of Prophet Nuh (علیہ السلام) remain an infidel. Strange but true, the son of an ` alim عالم (scholar) can remain illiterate and the son of someone illiterate can become an ` alim عالم. (M’arif ul Qur’an)
3- وَتَرْزُقُ مَن تَشَآءُ بِغَيْرِ حِسَابٍۢ (And You provide for whoever You will without limit):
Allah the Exalted is the Provider of sustenance and provisions to all of its creatures. He increases His gratitude upon them who believe and have fear of Him. He Almighty proclaims in Qur’an by saying;
وَلَوْ أَنَّ أَهْلَ ٱلْقُرَىٰٓ ءَامَنُوا۟ وَٱتَّقَوْا۟ لَفَتَحْنَا عَلَيْهِم بَرَكَـٰتٍۢ مِّنَ ٱلسَّمَآءِ وَٱلْأَرْضِ وَلَـٰكِن كَذَّبُوا۟ فَأَخَذْنَـٰهُم بِمَا كَانُوا۟ يَكْسِبُونَ
If the people of the towns had but believed and feared Allah, We should indeed have opened out to them (All kinds of) blessings from heaven and earth; but they rejected (the truth), and We brought them to book for their misdeeds. (Surah Al-A’raf: 96)
It means all blessings of heaven and earth can be achieved by having faith in Allah and fear of Allah while in the absence of these two one can be deprived of livelihood and provisions. If we take view of today’s circumstances and the early periods we notice that the net production and facilities of life are more than ever before but today’s mankind is more depressed, worried and dissatisfied than ever before. Qur’an describes the reason behind it that when we will be more ungrateful to Allah and will not remember Him Almighty, He will bestow His blessings abundantly but it will be just for a trial and suddenly all will be taken away;
فَلَمَّا نَسُوا۟ مَا ذُكِّرُوا۟ بِهِۦ فَتَحْنَا عَلَيْهِمْ أَبْوَٰبَ كُلِّ شَىْءٍ حَتَّىٰٓ إِذَا فَرِحُوا۟ بِمَآ أُوتُوٓا۟ أَخَذْنَـٰهُم بَغْتَةًۭ فَإِذَا هُم مُّبْلِسُونَ
But when they forgot the warning they had received, We opened to them the gates of all (good) things, until, in the midst of their enjoyment of Our gifts, on a sudden, We called them to account, when lo! they were plunged in despair! (Surah Al-An’am: 44)
Qur’an clearly warns those who forgot the teachings of Islam and the remembrance of Allah they will have to face loss in their economy and financial affairs;
وَمَنْ أَعْرَضَ عَن ذِكْرِى فَإِنَّ لَهُۥ مَعِيشَةًۭ ضَنكًۭا وَنَحْشُرُهُۥ يَوْمَ ٱلْقِيَـٰمَةِ أَعْمَىٰ
But whoever turns away from My Reminder will certainly have a miserable life, then We will raise them up blind on the Day of Judgment.”(Surah Taha: 124)
Conclusion:
If someone is facing financial problems or he wants to get back his money from debtors he should be more connected and grateful to the Lord and have fear of Him in all matters.
He should recite the above mentioned prayer after every obligatory Salah (Prayer) Insha’Allah soon he will find the gratitude of Allah on him.
