By Mujlisul Ulama
According to Hadhrat Maulana Ashraf Ali Thanvi (rahmatullah alayh) the following amal (practice) prescribed by Hadhrat Haaji Imdaadullah (rahmatullah alayh) is beneficial for relief from debt:
YAA MUGHNI to be recited 1100 times after Isha Salaat. Before this thikr recite 11 times Durood Shareef and after completing the 1100 times, again recite 11 times Durood Shareef. This amal should be practised often.
Al-Mughni is one of the Beautiful Names (Asmaa-e-Husna) of Allah Ta’ala. It means ‘The One Who enriches’.
It is important to understand that such amals, duas and thikr are efficacious only when the lifestyle and actions of the reciter conform to the Shariah. It should not be expected that the amal yields its efficacious result when one indulges in flagrant disobedience. If one squanders money in wasteful and haraam wedding functions, for example, one should not expect the amal to yield the desired result. If one deals in haraam or Has suppressed the huqooq (rights) of others, the beneficial results of the amal will not be realise
It is essential to first correct the wrongs in one’s life. Only then will one enjoy the barakaat (blessings) of duas and amals, Insha’Allah. Also, if an obedient person following the Shariah correctly fails to see the stated results of an amal, he should not become despondent and frustrated. He should be contented with the decree of Allah Ta’ala. Allah Ta’ala in His Wisdom sometimes withholds the object of one’s desire for a variety of reasons. The Mu’min should be contented. He will not be deprived by Allah Ta’ala. Allah Ta’ala benefits a person in many ways, but due to our lack of perception we fail to discern the innumerable bounties which Allah Ta’ala bestows to us in every walk of life, every moment of the day.