Cardi B's announcement she's covering funeral costs for all the victims of the historically deadly Bronx apartment fire has one man -- who lost 5 relatives -- calling Cardi an "angel."
Haji Dukuray's niece was killed in the blaze, along with her husband and 3 children ... and Cardi is making sure he doesn't have to worry about finding the money to bury 5 family members.
Haji, who used to drive 200 miles from his Delaware home to see his niece and her family in the Bronx, tells TMZ ... Cardi is an angel and his family can't thank her enough for what she's done.
He says it's a huge help to his family to not bear the financial burden ... and he's sending Cardi blessings for stepping up to help so many people she's never met.
As we reported, the inferno engulfed a 19-story apartment building in the Bronx earlier this month, killing 9 adults and 8 children -- the city's deadliest fire in more than 3 decades.
Cardi, a Bronx native, vowed to cover funeral expenses and worked with NYC Mayor Eric Adams' office to make it happen.
Haji says he got word of Cardi's gift from Mayor Adams' people -- and had no idea, initially, the rapper was their benefactor.
Remember, Fat Joe is helping rally celebs for relief efforts, and he told us most of the people living in the building were immigrants who lost everything in the blaze.
We got Jim Jones at Impact Zone Gym in New Jersey and asked him about Cardi's gesture ... and he praised her too, saying he would expect nothing less.
Cardi's also highlighting others who've stepped up to help the victims' families ... shouting out Joe and several NYC radio stations.