Sure! Here is the translation of the provided text while preserving the HTML tags: ```html Dream - Economic problems often haunt most people. It is certainly not an easy matter, whether for those who are already married or not. Because fundamentally, everyone strives to meet their living needs well. Therefore, working hard becomes the key to achieving it. However, not everyone has good fortune in working. There are also those who still struggle to find jobs or earn a salary that does not meet their living needs. Thus, whether they like it or not, they have to borrow money from others. ```

"Borrowing money is when someone borrows a certain amount of money with the intention of returning it within a specified period without any additional charges. Meanwhile, incurring debt is when someone requests or receives money with the agreement to return it with a certain additional amount as a fee. In the practice of incurring debt, the terms and conditions applied are stricter than those for borrowing money."

"This includes an agreement on the additional amount (interest/usury) that must be repaid, as well as the time and method of payment that has been previously established. In addition, to identify the items that are borrowed, it must be clear along with the quantity and can be accounted for transparently. By understanding the difference between borrowing and owing money based on the principles of muamalah, it is hoped that society can conduct financial practices more accurately and in accordance with sharia principles."

Here is the translated text while preserving the HTML tags: "Owing to this, we need to seek ease in borrowing from Allah SWT by reciting the prayers that have been taught in the teachings of Islam. Here is the prayer:
Allahumma inni tadayantu wa 'alaika tawakkaltu wa ilaika amri fawadltu.
Meaning: "O Allah, I am in debt and to You I place my trust, and to You I surrender my affairs." "

"This prayer will help us to obtain ease in applying for or paying debts, as well as to resolve the economic issues we are facing. However, as believers, we are also reminded to always repay debts on time according to the agreements that have been made. In addition, this prayer can also serve as a means to calm ourselves when collecting debts from friends or relatives."

"By reading prayers, we are expected to be able to control our emotions and maintain good relationships with others even in difficult situations. As Muslims, we believe that Allah SWT will always hear our prayers and provide ease in all our affairs. Therefore, let us diligently read prayers to obtain ease in borrowing and to face economic issues calmly."

"Whoever recites this prayer seven times in the morning, surely Allah will protect him from various kinds of debt," (HR. Abu Dawud no. 4988 and At-Tirmidzi no. 3562). This is the prayer to be free from debt that was taught by the Prophet Muhammad (peace be upon him): اَللَّهُمَّ إِنِّي أَعُوذُ بِكَ مِنَ الهمِّ وَالْحَزَنِ، وَأَعُوذُ بِكَ مِنَ الْعَجْزِ وَالْكَسَلِ، وَأَعُوذُ بِكَ مِنَ الْجُبْنِ وَالْبُخْلِ، وَأَعُوذُ بِكَ مِنْ غَلَبَةِ الدَّيْنِ وَقَهْرِ الرِّجَالِ Allahumma inni a'udzu bika minal Hammi wal hazan, wa a'udzu bika minal 'ajzi wal kasal, wa a'udzu bika minal jubni wal bukhl, wa a'udzu bika min ghalabatid dain wa qahrir rijal."

Meaning: \

"By practicing the prayer to be free from debt every day, as well as implementing the principles of sharia in managing finances, we will feel that life is always sufficient and free from the burden of debt that can weigh us down. By performing this prayer with sincere and genuine intentions for the guidance of Allah, and striving to uphold the principles of sharia, our lives will be safeguarded from debt and we will always feel content with Allah's blessings."