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Summary

This video discusses the spiritual approach to overcoming debt, particularly usury, through faith, prayer, and repentance. The speaker emphasizes reliance on Allah, honest reflection, and sincere prayer to seek divine help in clearing debts. Key points include maintaining a strong intention, praying frequently, asking for forgiveness, and practicing gratitude. Additionally, the speaker highlights the importance of giving charity (sadaqah) as a way to invoke blessings and miracles. The overall message encourages trust in Allah to solve problems while continuing to act with faith and perseverance.

Takeaways

• 🙏 **Trust in Allah**: The speaker emphasizes that Allah will suffice and solve all problems, as humans cannot do so on their own.
• 🕋 **Spiritual Reprogramming**: The speaker discusses reprogramming the subconscious mind, starting with a strong intention to change and relying on Allah’s guidance.
• 🧘‍♂️ **Istikharah and Prayer**: Regular prayer and connecting with Allah through practices like istikharah are key steps toward overcoming difficulties such as debt.
• 💸 **Avoiding Usury**: Usury is seen as a major problem that tortures the economy, heart, and household. The speaker shares their experience of getting out of usury debt in two months by relying on spiritual guidance.
• 💬 **Reciting Sholawat**: The speaker frequently recites sholawat (prayers for the Prophet) to calm the mind and heart, which led to mental peace and a strong belief that Allah will resolve financial issues.
• 📝 **Seeking Forgiveness**: Frequent istighfar (seeking forgiveness) helps in cleansing sins and also opens the doors to sustenance. It’s vital for spiritual and material success.
• 🤲 **Gratitude and Acceptance**: Being thankful and accepting all situations, good or bad, is important. This belief aligns with the understanding that whatever happens is ultimately for the best according to Allah’s will.
• 💝 **Charity and Alms**: The speaker underscores the importance of alms-giving (sadaqah), explaining that giving beyond the required 2.5% is necessary to accelerate miracles and protect oneself from harm.
• 📖 **Faith and Patience**: Keeping faith in Allah while being patient and taking actions toward solutions is critical, rather than simply waiting passively for results.
• 💡 **Miracles Through Action**: While patience is necessary, the speaker advises not to be passive; miracles happen when one moves forward with faith and consistent action.

Q & A

What is the main theme of the video script?

The main theme of the video script is about relying on Allah for help in overcoming life’s challenges, particularly in resolving debts related to usury, and sharing the speaker's personal experience of spiritual transformation.

What steps did the speaker take to get out of usury debt?

The speaker took several spiritual steps, including praying with strong intention, performing istikharah, continuously reciting sholawat, seeking forgiveness (istighfar), and engaging in almsgiving (charity).

Why does the speaker emphasize the importance of sholawat?

The speaker emphasizes sholawat because they believe it brings extraordinary benefits, including spiritual peace and certainty that Allah will help resolve their problems, such as clearing usury debts.

What does the speaker suggest about the role of intention in seeking help from Allah?

The speaker stresses that having a strong, sincere intention to seek Allah's help is critical. They mention that their previous intention was not strong enough, but once they fully committed to leaving usury, they felt Allah’s assistance in their journey.

How does the speaker explain the connection between istighfar and opening the door of sustenance?

The speaker explains that besides forgiving sins, istighfar also serves to open the doors of sustenance. They believe that by sincerely asking for forgiveness, Allah will bless them with increased provisions and financial relief.

What is the speaker’s perspective on accepting difficult life circumstances?

The speaker believes in accepting all life circumstances, whether positive or negative, with grace. They view even negative events as part of Allah’s plan, which ultimately leads to something beneficial for the person’s growth.

What distinction does the speaker make between patience and surrendering to despair?

The speaker distinguishes patience from surrendering to despair by explaining that while patience involves actively seeking solutions with trust in Allah, despair leads to passivity and hopelessness. They stress the importance of being patient while continuing to take action.

How does the speaker define charity (almsgiving), and what are the different levels of giving they mention?

The speaker defines charity as more than just giving away wealth. They break it down into three levels: 2.5% as returning the rights of others, 10% as a protection from harm, and 20% or more as accelerating miracles in life. They emphasize the spiritual benefit of giving generously and sincerely.

How does the speaker view the relationship between faith and usury debt?

The speaker views involvement in usury as spiritually harmful and a form of disobedience to Allah. They describe usury as not only damaging to one's finances but also torturing the heart and household. A strong desire to leave usury is essential to receive Allah’s guidance and help.

What is the speaker’s message about relying on Allah when facing financial struggles?

The speaker’s message is that faith in Allah’s wisdom and assistance is paramount when dealing with financial struggles, such as debt. They emphasize that only Allah can truly solve these problems and that trust, prayer, and repentance are key to receiving His help.

Outlines

00:00

🌟 Trusting in Allah for Deliverance

The speaker opens by emphasizing trust in Allah for solving all problems, particularly financial burdens. He introduces himself and shares that in this video, he will discuss how he freed himself from the burden of usury debt in two months. He encourages viewers to subscribe, like, and participate in his seminars on September 9 and future dates in Surabaya and Jakarta. He mentions the importance of reprogramming the subconscious and building a strong intention to escape the negative cycle of usury, which causes personal and economic turmoil. The speaker stresses the necessity of spiritual awakening and surrendering to Allah's will to overcome such challenges.

05:03

🙏 Struggling with Mental Blocks and Finding Peace in Faith

The speaker discusses his internal struggle between his mind and heart when dealing with a large usury debt. He admits that his mind was trapped by doubts about Allah, which led to distress. He found peace by repeatedly praying and sending blessings upon the Prophet (sholawat). He emphasizes the transformative power of constant prayer, which brought him relief and a sense of freedom from his debt. The speaker advises against remaining passive in the face of hardship, advocating for patience and action as key elements of true faith. He highlights the importance of not losing hope but trusting in Allah’s plan.

10:05

💫 The Power of Istighfar and Surrender

The speaker introduces the importance of istighfar (seeking forgiveness) as a way to not only absolve sins but also to open the doors to sustenance. He reflects on accepting life’s circumstances, both good and bad, as part of Allah’s divine plan. The speaker shares how his trust in Allah’s wisdom allowed him to embrace difficult situations, viewing them as opportunities for growth. He recounts experiences where inner whispers guided him to be cautious of temptations that might pull him deeper into debt. Gratitude and charity (shodaqoh) play an essential role in his life, as giving selflessly accelerates miracles and blessings from Allah.

15:08

💡 The Importance of Charity and Sincerity in Faith

In this segment, the speaker elaborates on the significance of almsgiving (shodaqoh) and how it not only protects one’s wealth but also attracts divine care. He explains his personal belief that the standard 2.5% alms is more of a return of others' rights than true charity. He suggests that giving beyond this, starting with 10% or 20%, invokes greater miracles in life. While giving, he emphasizes the importance of sincerity, trusting only in Allah for rewards. The speaker encourages viewers to align their hopes with Allah, asserting that it is both permissible and vital to pray for personal needs and miracles.

🌹 Final Reflections and Blessings

The speaker concludes by thanking the viewers and expressing hope that his message will be beneficial. He humbly describes himself as a seeker of knowledge with limited understanding, asking for forgiveness for any shortcomings. He ends with blessings and peace upon the Prophet Muhammad, sending heartfelt greetings to the audience. The closing reinforces his central message of relying on Allah for all matters and trusting in divine wisdom for resolving life’s challenges.

Keywords

💡Usury

Usury refers to the practice of charging excessive interest on loans, which is forbidden in Islam. In the video, the speaker emphasizes the spiritual and economic harm caused by usury and shares his personal journey of escaping from it through prayer, repentance, and spiritual discipline.

💡Sholawat

Sholawat is a form of prayer invoking blessings on the Prophet Muhammad. The speaker stresses its significance, explaining how regularly reciting sholawat helped him overcome the mental burden of debt and provided spiritual comfort. He emphasizes its continuous recitation as a method for inner peace and divine intervention.

💡Istighfar

Istighfar is the act of seeking forgiveness from Allah. The speaker describes it as a crucial practice for both seeking pardon for one's sins and attracting Allah's blessings, including financial relief. He encourages frequent repentance as a way to open the doors of sustenance and forgiveness.

💡Intention

In the context of the video, intention (or 'niyyah') refers to the deep, sincere resolve to change one's life, particularly in relation to leaving usury. The speaker highlights how his strong intention to be free from usury debt was the first step toward receiving divine guidance and assistance.

💡Subconscious reprogramming

Subconscious reprogramming refers to changing one's inner beliefs and mindset. The speaker mentions this as a way of aligning his thoughts with his goals, particularly in overcoming debt and embracing a more spiritual approach. He discusses how his mind and heart had to be 'reprogrammed' to fully trust in Allah's plan.

💡Alms (Charity)

Alms, or charity (sadaqah), are mentioned as a means to not only help others but also to bring blessings to the giver. The speaker details his practice of increasing his charitable donations, emphasizing that giving alms accelerates divine blessings and is part of his strategy for resolving his financial issues.

💡Gratitude

Gratitude involves accepting and being thankful for all of life’s conditions, whether good or bad. The speaker explains that he adopted a grateful mindset, believing that every event in his life, including financial struggles, was part of Allah’s greater plan. This acceptance helped him cope with adversity and maintain faith.

💡Repentance

Repentance, or 'taubah', is the act of turning back to Allah and seeking forgiveness for past wrongs. The speaker discusses how genuine repentance played a key role in his journey out of debt, emphasizing that admitting one’s mistakes and seeking forgiveness is essential for spiritual growth and material relief.

💡Faith

Faith in Allah is a central theme of the video. The speaker constantly reminds viewers that true belief in Allah’s power can help solve even the most challenging problems, including financial difficulties. His faith grew as he witnessed the benefits of spiritual practices like sholawat, istighfar, and charity.

💡Patience and Action

Patience is highlighted as essential in the process of overcoming hardship, but the speaker clarifies that it should not lead to passivity. Instead, patience should be accompanied by continuous effort and seeking solutions. The speaker explains how he balanced his patience with active steps toward paying off his debt.

Highlights

Believe in Allah, as only Allah can solve all problems.

The speaker shares personal experiences of being freed from usury debt in two months.

The importance of setting a strong intention to get out of usury and seeking spiritual guidance.

Praying istikharah and deeply surrendering to Allah are key steps in overcoming challenges.

Consistent prayer and reciting sholawat as powerful tools for finding peace and solutions.

The speaker emphasizes the need for honesty with Allah and recognizing personal faults.

Prayer is not just a religious act, but a mental and emotional shift that helps to overcome challenges.

The power of istighfar (seeking forgiveness) in not only cleansing sins but opening the doors to sustenance.

Being patient and continuing to move forward, trusting Allah to provide the way.

The speaker highlights the importance of gratitude, accepting both good and bad situations as part of Allah’s plan.

Alms-giving (sadaqah) is presented as a powerful way to attract miracles and blessings in life.

The speaker defines charity and explains that 2.5% is a return of others' rights, not considered sadaqah.

Sadaqah beyond 10% is seen as accelerating the arrival of miracles, protecting one from calamities.

Asking Allah through prayer after giving sadaqah is encouraged, as it aligns with God’s commands.

The speaker concludes by urging viewers to fix their hearts and trust Allah to handle their problems.

Transcripts

That's just believe in Allah that Allah will suffice and solve all our problems

if we solve it we can't It's not us who solves us only Allah

who solves everything Hello assalamualaikum warahmatullahi wabarakatuh ashhadu alla ilaha

illallah wa Ashhadu anna muhammadarrasulullah Alhamdulillahirobbil alamin Allahumma sholli

wasallim wabarik there -there is Nabil Cream Sayyidina wa habibina wa syafi'ina Wow Qurrota swing Maulana

Muhammad Allahumma sholli wasallim wabarik Alaihi Waalihi wasohbihi good night friends

meet me again here it's good Baraja on the channel gusba Raja I pray for all of you Allah

heal Allah Calm Allah is miraculous Amen, yes, Robbal Alamin, well. On this occasion

I will give a few points. These are really cool for those of you who feel that you have debts of usury, usury, yes

, I will share my experience how I was free from usury debt in just two

months and two months when I maximized this knowledge and I will share it with you, so

watch this video until it's finished, don't forget to click the subscribe button first and don't forget to

click the bell button so that Raja's friends upload twice a day at half past one in the afternoon and at 09.00

like this video for those of you who I want to take part in my online seminar, I held it

on September 9, coincidentally, the theme is about this inner wound, the problem of the crowd, later

we will peel it all off. You will also get therapy or disappear

from me directly online, so register yourself immediately

. in Surabaya on October 15, the quota applies only to 40 people, so

register yourself immediately and it also applies to those in Jakarta, yes, on December 10, the city applies

too, so for information, please check the number listed on your monitor screen for

the class for the class that lasts the length of the guidance, the material also gets the audio

, I have reopened the pen register immediately register yourself and call the phone number

listed on the monitor screen Cup is good as I promised I wanted to share with you

Hi from How do I settle my usury debt okay How do I in short

solve my usury debt miraculously spiritually again what must be built

is an understanding of the subconscious reprogramming a few days ago when I uploaded a video

that I promised you to accompany you for a full month with educational education

or with cool materials.

how do i pay off usury debts how do i get out of usury debts ok i want to

tell you first before going into some of the points yes the initiative from my heart to get out of usury

is honest to be honest yes it wasn't so strong before it wasn't so strong because there was no will

to talk Hidayah actually nah When I really feel that how great it's time for usury

, how problematic are we if we decide to take and get involved in usury, it's amazing to

torture us both torturing the economy and torturing our hearts and even torturing our households

why? Because Allah clearly challenges us and raises the flag of war, in other words Allah

invites war for those who fall into the jungle especially those who have no desire to go

out, it is certain that God really doesn't like what decisions have been made

, such as waste, I mean, after I took the initiative, it turned out that God made it easy, of course, by

means of a spiritual way because I knew I didn't have any money at that time. I don't have the money to

pay the debt a few steps I did I tried istikharah I tried to

sit alone and really prayed to Allah and put my first

intention first was a strong strong intention to get out of usury so I tried to apply

several ways which At k this time I want to share with you the methods are the

first Yes, let's just discuss the discussion I'm really the first one to admit I'm happy I

confess as low as I can that it turns out I need God's help and I'm very aware

of this decision I took I was the one who I am the one who is guilty, God is not guilty, then

I realize how problematic

it is if we fall into usury so my intention

is strong to get out of there and then I am honest and honest.

we are actually every day 1 time 24 hours as long as we are aware that we are fighting with

our own thoughts which means there is a mismatch but unfortunately that's almost every time

my mind says a my heart says B skin if my mind is because of being shackled by mental

block at that time when I want 300000000 money for baya r In the jungle, my heart refused.

Where did the path actually come from in my opinion, it fell on misgivings. I asked for forgiveness

from Allah a lot because I was actually doubting Allah at that time, so

I was honest, I tried to comfort my heart. I tried to calm my heart. then I cried

there Oh I turned out to have sinned so the first point is to be honest with Allah that if

your mind needs Show that your heart really surrenders to Allah so the heart also says it

I need Your help O Allah that's the first Then the second I divert my prayers it's

not infinitely countless and I don't want to count me almost every time Every time I remember I

pray because I understand Fadila the plane is amazing or the benefits of reading prayers

are extraordinary because indeed I have been educated that when you want something, Gus,

it's in prayer every Whenever you have a wish or have a wish or have a prayer to eat A good prayer

begins with sholawat and ends with sholawat so I pray that prayer

almost every time I remember 1 time 24 hours as long as my eyes are awake my mind still remembers I

repeat it is sholawat and even if I am silent I recite it Allah's suggestion tie in

nah Muhammad wa ala ali sayyidina muhammad until in the end it seemed like my mind was deceived

my heart was deceived as if I don't feel in debt I believe that this is

Fadilah from Sholawat I believe that Allah has changed me through the blessings

of prayer in my heart I feel that my debt is paid off Ribas ailun as, surely SDN must be

paid off by God Somehow in my heart I was very sure and in the end my mental pressure

turned into let's go turned into ah .

don't stay still, be patient, it's not just being patient, it's moving, because surrendering to

despair is sa remember the difference is slight if I am patient but I choose to

keep moving How can I get a solution How can Allah give me

a solution then I apply it so the second one is to hold sholawat to stop

sholawat there is no benchmark how many as much as possible anywhere when you remember the

second then the third because I realized that this is a sin, so I

pray a lot, you ask for forgiveness a lot if not to mention the other sins

but when it comes to istighfar, this is how I am when I pray, O Allah, because I know

sometimes My heart likes to forget, my mind likes to forget, right? When I remember I

pray, I don't think I can do a lot of Istighfar. But

if you can read a lot of it, it's also legal, that's okay, it's even recommended

, but the most important thing is that when we pray it u we know exactly the sins

we have committed, even sometimes when we are deep in repentance, those sins

are imagined in our minds, they appear suddenly Oh yes, I have committed

this sin, this sin, this sin, rarely does anyone even remember the time

I do n't remember the condition, it turned out that the

crying came out so I asked for forgiveness

. What

happened in my life was my own doing, I don't blame anyone. The point is that I'm still

asking for forgiveness. You are the one and only Allah can provide that miracle. The faith suddenly

keeps on growing and growing in me. Apart from praying, I also

pray for istighfar, it's true. -true with taste but in my heart i don't punish myself

s endiri means that if there is a legal word to close yourself, then it is difficult to

move on so you can't focus, instead the focus is only on punishing yourself, you are guilty

in such a way that we really don't have any forgiveness for yourself and

that's something wrong to realize It's okay to make mistakes but it's too deep to blame yourself

, which I don't think is right because later the focus point And the file

becomes weak, eventually, the effect can attract something even more negative because of the feeling

in us that is creative so Do a lot of istighfar and really admit your sins and then

ask Allah to repent. Because istighfar has two benefits besides Allah, forgive our sins.

Istighfar also serves to open the door of sustenance because it is written in the 8-bit fortune

so believe and rest assured that istighfar also opens the door of sustenance and God willing, make it easy

we enter the fourth the fourth is I study un To accept all the conditions in the process

at that time, all good conditions, good or bad, I accepted because I was

helpless in the sense that I believed that God had designed my life to be a

more meaningful life, God designed my mind so that I could be useful to other people. other So whatever,

good or bad, I accept it gracefully and graciously. Javanese people say

that if something is positive, I accept it, I express it in a way that I am happy, then

I am grateful .

well, according to my point of view, I express my gratitude by accepting

and saying thank you, O Allah. You must have good intentions. You must be

planning something good for me in the future, even though I saw an incident

or one incident that came to me. negative, my point of view is yes, but

according to All ah it's definitely good because according to humans good is not necessarily good according to God, bad

according to humans is not necessarily bad according to

God , meaning that what happened is definitely the best

so the fourth point is to be grateful to accept all conditions. money, you know better or not, my friends, my data is ton, it comes

, it comes in my heart, I want to whisper or whisper. As I explained about

Yohanes a few days ago, he whispered that there was already money, just pay it every month, you do

n't have to close it, I'm afraid tomorrow will be you tomorrow it is necessary to speak the language of the heart, I'm sure you also feel

the same way when you get money, you should be able to close it, you can pay it. It's free from usury

but sometimes we are tempted to feel comfortable but without realizing it, we grind

it even deeper, that's the fourth, so yeah grateful that there is one more point, namely alms

while I strive while I enjoy p traveling life while I sound confused

while I pray for istighfar I am routine in alms I start to improve my alms patterns

both in quality and quantity a lot if the content or videos

of my videos that I upload discuss about alms at least I inform

you personally, in my opinion, quantity is necessary, but there are things you need to

know, the first is two and a half percent for the percentage, yes, two and a half percent,

even that for me is not alms in my opinion, you know, we can be different because two and a half percent

is someone else's right So I return it, not charity, not giving alms, I return

the rights of others two and a half percent Then the second is 10% 10% it saves

our property from balla from fraud from loss and others miraculously later Allah will

take care when we keep our shodaqoh book of alms the last 20% and so on, now 20% and

so on for me for me This is what is called accelerating miracles that occur in

our lives if the quantity is the percentage of quality How do I start to be honest again

with God starting to be honest When I give alms I don't hesitate to ask You Why

is it because God's command to ask or pray is God's command so I do it if when

I give alms my heart comes home my heart is calm let's go I pray I use it to pray

There is no prohibition on praying it's just that if friends interpret a reply maybe there are

some people who will disagree in my opinion it's not a reply, not a reply that prays

asking for something different, yes, we ask for a reply by asking for it. The concept of praying

is different. Ladies and gentlemen, so the mind is straightened out and corrected because sincerity, in my opinion, is not

allowed to hope other than Allah and if you pile that hope on God, in

my opinion, it's legal, then it's okay if not to Allah to whom I have to hope like that

, friends, there are five points and five explanations, I hope this is useful for you. Let's fix the heart.

The point is, just believe in Allah that Allah will suffice and solve all our problems

.

old, finish everything, Thank you, hopefully it will be useful, my friends, ladies and gentlemen, I'm

good Braja al-faqir opo iku, Poor knowledge, weak in knowledge, Sorry to be born and inner

heart, greetings, warahmatullahi wabarakatuh Allahumma sholli ala sayyidina muhammad Allahu Alaihi Wa

by the way

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