A Dhikr to Face Life’s Challenges


If I were to ask you now: What are the six pillars of faith (arkaan ul emaan)? would you know the answer? To be productive in seeking knowledge we have to know the basics first.

Someone once gave a good tip on how to memorize the six pillars of faith: We believe in Allah (pillar one), Who created the angels (pillar two) and sent His books (pillar three) with His Messengers (pillar four) to warn about the Last Day (pillar five) and all of this is destiny (pillar six)!

Let’s talk about our belief in one of those pillars: belief that the life of this world will come to an end.
The question to you is: what does your belief in the Last Day mean to you in your daily life?

In this week’s Jumuah Special we learn about the concept of ‘hasaba’ and about one of the most powerful dhikr to battle any challenge in life and I mean any!

Allah Al-Haseeb, The Reckoner, mentions this dhikr in one of the most powerful and important ayaat of the Quran: Those to whom hypocrites said, “Indeed, the people have gathered against you, so fear them.” But it [merely] increased them in faith, and they said, “Sufficient for us is Allah  and [He is] the best Disposer of affairs.” [Quran, 3:173]

What is hasaba?

Hasaba in Arabic means reckoning, counting, and calculating. It also means to suffice and to be sufficient and it repeats 109 times in the Quran. What does ‘hasaba’ have to do with your belief in the Last Day? The Day of Judgement is also called: Yawm-ul Hisbaab, the Day of Account and the dhikr we learn today is straight related to this dreadful day and to any hardship you face in life!

The hisaab

Imagine..you are standing there. Sweating. Scared. Trembling. Naked. Barefooted. Uncircumcised. Then the Lord of the Worlds will start speaking to you, directly with no translator, no intermediary. Can you imagine what will go through your mind? Wouldn’t you wish you left that bad habit? You helped your oppressed brothers and sisters? You read the Quran? The Prophet salallahu ‘alayhi wa sallam said: ..The person will look to his right, and will not see anything but his deeds. Then the person will look in front of himself and will see nothing but the hellfire facing him. So protect yourself from Hellfire even by giving a charity of half a date. [Al-Bukharee] It’s all about that moment now; will you get your book of deeds in your right hand or in your left, will you go to Jannah or to the blazing Fire?
Now the questioning starts.. the moment of the hisaab, your final account. Yawm-ul Hisaab is the day when you will see records of all your deeds and you will be held accountable for them. Imagine your mouth being sealed and all your limbs will start revealing what they were used for by you..Allah says: On the day when their tongues, their hands, and their feet will bear witness against them as to their actions. [Quran 24:24]

The dhikr

One of the most powerful dhikr taught to you in the Quran and the Sunnah which you can and should use for all challenges you might ever face is:
حَسْبُنَا اللَّهُ وَنِعْمَ الْوَكِيل
Hasbunallaahu wa ni’mal wakeel means: Allah is Sufficient for us, and He is the Best Disposer of affairs. And here are its facts:

Say it when you fear Yawm-ul Hisaab

Remember Yawm-ul Hisaab? The Prophet salallahu ‘alayhi wa sallam said, “How can I feel at ease when the Angel of the Trumpet, (Israfil) has put his lips to the Trumpet and is waiting for the order to blow it?” He (the Prophet) perceived as if this had shocked his Companions, so he told them to seek comfort through reciting: ‘Hasbunallaahu wa ni’mal wakeel.’

It was the dua of the Prophet Ibraheem

Can you imagine fire getting cool? These were the words of our father Ibraheem ‘alayhi sallam. Ibn ‘Abbas radiyallahu ‘anhu said: When (Prophet) Ibraheem was thrown into the fire, he said: “Allah (Alone) is sufficient for us, and He is the Best Disposer of affairs.

It was the instruction of Allah in the Quran!

In a seemingly overpowering situation this is what the Prophet salallahu ‘alayhi wa sallam and the Companions exclaimed as you can read in the central ayah; and so should we! But it [merely] increased them in faith, and they said, “Sufficient for us is Allah  and [He is] the best Disposer of affairs.” Have you seen our oppressed brothers and sisters on the news, raising their finger and saying ‘hasbunallaahu wa ni’mal wakeel!’ while they are in the most terrifying situations?

Saying this means:
Hasbunaa-llaah: from hasaba, meaning ‘sufficient for us’.
It means that you know that Allah is sufficient for you. He is the Bestower and Withholder and that only He can remove any harm.
Wa ni’mal wakeel: meaning ‘and He is the Best Disposer of affairs’.
This means that you put your trust in Him and leave your matters to Him to take care of. It means you accept His decree and submit to Him. Saying this dhikr, remind yourself of the hisaab, your belief in the Day of Judgement and being accountable for all your deeds.

This dhikr is the healing touch in your life and a true productivity tip from the Quran and the Sunnah to face life’s hardships!


1. Read ayaat 16 til 32 from Surah Al-Haqqah to learn about the moment of the hisaab and prepare for this moment now by repenting and following up your bad deeds with good deeds!  [Link word for word] 2.  Read the article about the Name of Allah Al-Haseeb and especially read the tips on how to live by this Name.
3. Memorize the dhikr حَسْبُنَا اللَّهُ وَنِعْمَ الْوَكِيل   !increase in saying it in your daily life.
4. Teach it to someone else!

Praying you will benefit,

Khawlah bint Yahya ~ United Kingdom

THE AYAH JOURNAL, Qur’an & Productivity is a global project with the exciting goal to inspire every Muslim worldwide to open the Qur’an every day, pick one ayah, and apply it to our own lives by making acting on the ayah your mission for the day. Let’s bring back the message of the Qur’an to our daily lives! Check www.ayahjournal.com and follow us on www.facebook.com/ayahjournal for vibrant Qur’an and productivity tips.


  1. Mustofa Abdulkadir August 31, 2013 Reply

    JazakALLAH kheyr

  2. Lisha September 1, 2013 Reply

    Assalamu Alaikum, as usual a wonderfully informative write-up by Sister Khawla. However, I would like to point out an error in the name of the quoted Surah (in the HW section at the end of the article). The name of the Surah is Surah Al-Haqqah and not Surah Haqq as has been mentioned in the article. Jazak Allahu Khairan for these informative tidbits and may Allah make it easy for all of us, Ameen…

  3. Tanko Mayo September 2, 2013 Reply

    Jazakallahiu khairan.

  4. Tukur Bello Umar January 30, 2014 Reply

    May Allah bless and all that you do, my HE bestow us with the same Rahma t serve Him better.

  5. umma Muhd Ahmad March 6, 2014 Reply

    Jazakallahu khairan. May Allah (SWA) shower His Rahma upon all of us. Amin

  6. YAQOOB July 22, 2014 Reply

    Ameen ,Ya Rabul Alameen.

  7. nsk April 9, 2015 Reply


  8. Bruno October 27, 2015 Reply

    Excellent, what a weblog it is! This web site provides valuable facts to us, keep
    it up.

  9. Aisha February 8, 2016 Reply

    JazaakumAllah khair had this website sent to me through whatsapp. Very beneficial and thought provoking. Truly Allah is sufficient for us.
    May Allah forgive us all.

  10. Kamaluddeen August 20, 2017 Reply

    Alhamdulillah masha Allah

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