Why do people pay back their bank loans? Projective questions and projective interview

A loan for a vacation, a car, an apartment, a telephone - today you can take out money for absolutely any purchase. Many people are so captivated by this opportunity that, starting with a loan for some little thing, they end up taking out new loans to pay off the old ones, and so on in a circle. How to get out of a constant debt hole, AiF.ru tells psychologist Anna Khnykina.

Portrait of a credit addict

Some people believe that women are more credit dependent than men, I would not make such a gender cut, since similar problems can arise in people of any age and gender. But they still have common features.

By and large, there is no difference between an alcoholic, a drug addict and a credit addict, since any addiction is primarily psychological in nature. Such people have serious problems with the perception of reality. They need to constantly receive the illusion that the reality around them is different, no matter how: with the help of alcohol, money or something else. They don't see the problems that surround them and want more than they can afford.

All addicts, including people who tend to borrow money, live with the mindset that they should be helped. They don't rely on their own strength. The “earn and spend” scheme is alien to them, because it is easier to borrow in order to spend. A distinctive feature of these people is lack of independence. Loans help them relieve their anxiety about their own poverty.

Who has “immunity” from credit dependence?

Not everyone can become credit dependent. There are many people with a good sense of responsibility, for whom falling into a debt hole is like death and very shameful. Under no circumstances will they ask anyone to borrow money. For them, debt is a loss of freedom. Such people are ready to pay their bills themselves and do it on time. Here we are dealing with an adequate perception of reality.

Signs of credit dependence

You can have as many loans as you like. But if monthly payments do not exceed half of earnings, i.e. If you regularly pay off all your debts and at the same time you still have 50% of the profit, which is your real living wage, then you don’t have to worry (especially if your loans are related to real estate, i.e. you pay yourself in advance). Another question is that this very living wage is an individual story, because for some 10,000 rubles are enough, and for others 100,000 is not enough. The alarm should be sounded when more than half of your money is eaten up by debts, your credit purchases are clothes or a vacation, and the money remaining from payments is not enough for you to live a decent life.

Another telltale sign: when you take out a loan, you feel a sense of euphoria and relief, as if you have “solved your problem” (at least for today). Although, in theory, an aggravating feeling should appear, because now you owe someone and, in fact, are not free.

The third sign: you can’t say “no” to yourself when you want to buy something, so you take out a loan. Here the brake light simply doesn't work, plus you feel ashamed and depressed that you can't afford to buy a certain item right now. How to continue to live without a handbag (car, new sneakers, travel, etc.)?

Fourth, you simply don’t know how to plan your finances. And at the end of the month you are surprised to discover that you have earned 30,000, but you owe 2-3 times more.

In general, the tendency to borrow is not very good, even if you pay everything honestly. She says that you are not coping with your financial situation today, which means you need to do something to improve it.

How to deal with credit addicts

The first and main rule to remember is do not lend money to such people.

In general, helping an addict is the same as supporting his addiction. Remember, Nietzsche has this expression: “Push those who are falling.” Limit your support to the dependent person. The faster he realizes the scale of the problem, the faster he will begin to get out. But if you help him maintain the illusion that nothing terrible is happening, everything is fine and he can count on you - this is nothing more than a disservice on your part. The best support is help in realizing the trouble and the fact that he himself is capable of a lot. Alternatively, you can help the debtor figure out how to make money. If you nevertheless decide to provide financial support in addition to moral support, be prepared immediately for the fact that you will not see this money, and even if they return it to you, they will soon ask you again.

How to get out of a debt hole

The first and most difficult thing to do is to realize as soon as possible that things will get even worse! Sit down at your desk with a pen and a piece of paper and start writing down all your expenses and income. The amount that remains for life (good, if there is one) needs to be distributed very carefully and not spend more than is allowed until you give it all away. Live on pasta, bread and water, look for a part-time job. It is important to realize that you find yourself in this situation for one simple reason: you want to earn more, but you can’t. It’s not a sin to want to live better, but doing nothing for it, being a healthy person, is at least strange.

Second step - go to the bank. You must be honest about the fact that you are unable to pay your numerous loans. As a rule, the bank will always offer an adequate solution to the problem, for example, debt restructuring.

Unfortunately, the problem of addiction itself is very scary. Dependent people are like immature children. There are catastrophically few people who can really cope with this problem. In addiction therapy, success is, unfortunately, only 2%! The remaining 98% is always a scary story. Very often you can see how a person is rolling into the abyss, and at that moment the whole family “dances” over him and helps him survive. But this, as a rule, leads to nothing. Unfortunately, coping with addiction means going through a painful, difficult path, and not everyone is capable of it. If it were different, credit institutions in our country would not grow like mushrooms after rain. And yet, if you bring this story to the end, manage to save face and get out of it with dignity, you will be at a very big advantage.

Why do you think people pay back their bank loans?
Added (1)....Test question, need help with the correct answer)

CKB

Because it's cool to give back credit :-)

Try not to give it away.

Because not giving is not cool XDD

Because the one who does not pay off his debts is a shaggy man.

To be able to take it again

Because an agreement is an agreement.

Because if something happens, you are under their control, and they will take you for one place (well, if only you, and only for one).
You can hide and run, but that’s for the time being. And at the same time, various restrictions may arise on freedom of action.

best answer -Are you really giving out loans on fair terms? Just like that, on my word of honor?
-Yes
-What if I don’t return it?
-well then you will be ashamed
-?
-When you introduce yourself...
-well, when will it be...
-Well. Should I give you the loan on the 5th? Well, on the 6th, introduce yourself

Would you like it if your neighbor doesn’t give you the money he borrowed?

To Addendum #1: What an interesting test. Was there already something about the crow and the plane?

Give it to whom? A jar? If yes, then in order to have a positive credit history, if for people, then good souls, what can I say...

Because if the loan is not repaid, the bank has the right to take your property for the amount that the client took.
Such a client will be added to the blacklist of all banks in the country in the future.

Why do people take loans? It would seem that this is a very basic question that does not require any detailed answers.

But in fact this is not the case: here, as in the lion’s share of other situations, the clause “how many people, so many positions” applies. In the modern world, the phrase “never say no” has spread; in a practical sense, it indicates that you should never say “never.”

In fact, sometimes life can turn out in such a way that you change your position regarding many things, and loans are not something exceptional here.

What motivates people to live on credit?

Why take out a loan? There are several causal factors according to which humanity is actively living according to the banking program.

These are the main considerations, based on which this amount may be required.

1. The money has run out, and the payday is only a week or more away.
2. Debts have accumulated that you cannot pay off with your own efforts and savings.
3. The desire to buy a good gift for your loved one.
4. The desire to purchase a product that you could never afford to buy in cash.
5. Engaging in solving acute and urgent difficulties, for example, in terms of one’s own health, using paid medical services.
6. The need to incur a large amount of expenses for festive events - weddings, anniversaries, birth of children.
7. Purchasing your own home or car in case of lack of funds or their complete absence.
8. Expansion of business activities.
9. Payment for studies at the institute or any other university.
10. Completing an effective educational event in the form of a training.
11. Sending a child to study or work abroad.
12. Buy high-quality and expensive items that you could not afford without a loan.
13. Provide yourself with home repairs or improve your own home in another way.
14. The occurrence of force majeure circumstances.

As a rule, citizens who are faced with an urgent need to obtain credit funds are faced with several opinions of “experienced” people.

• Anyone who is afraid of loans shouts “don’t take them.”
• People who once took out a loan out of stupidity and financial illiteracy, without calculating their own capabilities, repeat “it’s not worth it.”
• Advertising experts convincingly say that you need to take it here and now, without thinking and without delay, but modern people do not always believe in marketing.
• The mind, tired of searching for the optimal option, claims that it’s still worth taking, because there is no way out of the situation, and the need for money is already pressing.

And here a logical and fair question arises - who should you trust, and whether you should take out a loan. If you take into account the set of points listed below, you can ensure that you make an intelligent and rational decision.

1. Through a loan, you can quickly act as the owner of the required amount, as well as purchase the product item that you need. Traditionally, the procedure for studying the application document takes a couple of hours when it comes to urgent consumer lending.
2. It is quite easy to become the owner of the desired product item or funds. To obtain the desired effect, you must wait for approval, come to the office and pick up the product item or finances.
3. Long-term savings can cost you time and prevent you from using modern goods and services. For people who are technically advanced and want to live here and now, a loan will be an excellent opportunity to fulfill their desires.
4. The loan acts as a controlled financial lever. After all, through its execution, the borrower will be able to determine two key parameters - set the size and term of the loan.
5. Chance for early compensation. The lion's share of credit authorities has a chance to pay off the loan in advance, that is, even earlier than the due date. Subsequently, the overpayment is recalculated in favor of the client side.
6. Forming a positive history of loans with care and your own future. This is the main advantage that allows you to create a good reputation, and later it will work for you. After this, you can count on acquiring funds, but in a larger amount.

So we looked at why people take out loans, and by what actions and motives they are justified.

Now let’s consider the appropriateness of certain types of behavior and evaluate it from an objective point of view.

Why do people need loans?

This is a kind of financial instrument that helps achieve a cherished goal. Even before the emergence of the nineties, people did not take on the burden of debt obligations and could cope on their own.

But after the collapse of the USSR in Russia, the sphere began active development and formation. A huge number of banks have appeared, exceeding the number of European institutions, and small creditors have not yet been taken into account.

Offers to borrow money today can be found literally at every step, and money is issued promptly and in large quantities.

It is clear that such availability of funds, which is not available to citizens from their own savings, makes one’s head spin and makes one think that what they really need are new things and a beautiful life.

Unfortunately, most borrowers, having taken out loans, encounter a fiasco and subsequently swear not to borrow money at all. Others, in turn, are just getting used to the new bondage, borrowing everything they need and don’t need.

Why do some people take out a lot of loans?

If you can’t afford to live like a picture and fulfill your desires, a loan creates opportunities to draw all this beauty without much stress and difficulty.

This is how the human psyche works, instigated by the ego: you have to be no worse than a neighbor, colleague, distant relative, or that person in the minibus. In the end, it turns out that a loan is not a need at all, but one of the ways to increase one’s self-esteem.

The classic situation today is further aggravated by the fact that people have the opportunity to take out a loan not at a bank with a long wait, but right at the point of sale, in 5 minutes.

The statistical trend is that the total number of loans per capita is constantly increasing. One individual or even legal entity may have about 4-7 loans - from harmless plastic to an impressive mortgage.

In addition to truly necessary goods, people also buy luxury goods that are not so necessary, but allow them to stroke their ego.

It turns out that the only criterion and factor that forces people to take out many loans is their availability.

Why take out a loan?

Let's consider several practical situations and determine the feasibility of obtaining loans.

The desire to live beautifully

This is a fact - the majority of contemporaries express a penchant for materialism, for expensive “toys”. The person is not looking for complicated ways to make money. Instead of going to a part-time job and earning money to buy something, or simply saving money, he chooses a simpler method - drawing up a loan agreement.

It is this opportunity that attracts a large number of people. And today there is no need to endlessly improve the level of your own qualifications or constantly study in order to become a highly paid professional.

Even as a janitor, you can drive a new car, wear nice things, and live in your own home.

The situation is further complicated by the fact that the lion's share of people want to be not just no worse, but also better than others. The thirst for royal life is the key motive for turning to financial authorities. And it, in turn, is accompanied by an unbridled desire to have everything at once.

An apartment in the desired area, a high-quality foreign car, prestigious furniture, luxurious jewelry, telephones and other equipment. All this makes you feel more important and significant.

As a result, an illusory picture of the world is created and values ​​are replaced. As practice shows, “toys” purchased at this price quickly go out of fashion and within a year or two become unnecessary.

Conclusion: Of course, there is no urgent need for such a loan. It’s one thing when it comes to an apartment, because you don’t want to rent living space for the rest of your life, but you need to live somewhere.

It’s another matter when a loan is taken out for toys that will only amuse your ego and will not make your life better. Therefore, this reason for taking out a loan is not rational.

Urgent need for finances!

This is another consideration that people use to explain borrowing money. There are situations when it is a matter of life and death: for example, force majeure circumstances have arisen and there is nothing to live on.

Or you urgently need to undergo an expensive operation, but there are no savings. Of course, in life such a situation makes itself felt not so often, especially if we are talking about a responsible and prudent person who is able to take care of himself in advance. But, as they say, you shouldn’t promise.

If a problem arises in your life, you can contact a financial institution personally or with help and take out funds at interest. It is possible for everyone to do this today, but you need to carefully select a lender who will provide you not only with finance, but also with profitable repayment programs.

Or consider borrowing money from friends and relatives. Most people, considering modern medicine extremely expensive, do not seek to take out a loan at extortionate rates.

On the one hand, the overpayment will be colossal. From another perspective, what could be more valuable than your own life?

In general, if the issue is urgent, money is needed urgently, because without it you can disappear, then a loan should be considered as a completely serious option for solving problems.

If we are talking about your well-being or the lives of your loved ones, you don’t need to think “I won’t be able to afford the loan”, “it’s cheaper to die than to be treated.” You need to weigh all the pros and cons and find ways to repay the loan on time.

Believe me, smart and responsible people always find a way out of such situations. Besides, no one said it would be easy.

Loan to buy an apartment!

Improving your own life by acquiring living space is a great option. After all, today a huge number of people live in irrational conditions, and due to the lack of their own housing, newlyweds want to put off having children.

And if heirs are born, then four or five people have to huddle in a cramped apartment without the possibility of a full life and complete freedom. Of course, you can find a way out of the situation and rent housing - which is not an option.

Unfortunately, most people do not envision a scenario in which they can pay rent today and become rich the next and instantly buy a home. Therefore, instead of rent payments, the easiest way is to make mortgage payments, but in your old age you will have your own apartment.

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In terms of necessity and profitability, this type of loan is considered controversial today. After all, it is one thing to become a debtor for 1-2 years, and quite another when it comes to decades.

Therefore, before applying for a mortgage loan, a potential consumer of banking products should think carefully about their own plans and goals. If you're planning on building a career and getting paid well within a year, it might be worth taking out a mortgage and paying it off early.

On the other hand, why tie yourself hand and foot now if in a year you will be able to afford the home you dream of?

As for ordinary employees of enterprises, it is unlikely that in a couple of years they will have the opportunity to buy a dream home. Unless the inheritance falls out of the blue, or you win the lottery. There are no options here - a mortgage is the best way to get your own home.

But remember that you can’t do this without a down payment, so you won’t be able to buy a home entirely with borrowed money. If you do not have the skill of saving, this option may be utopian for you.

Conclusion: This type of loan is worth taking out. On the one hand, this is bondage for several years, and you will have to prepare for the fact that you will have to significantly limit yourself for the next 10-20 years.

But if you don’t have your own home, a mortgage is a better option than renting a home, because in the first case you get ownership of the living space, and in the second you are only a temporary guest in an apartment or house.

Starting a business!

Active and purposeful individuals often need start-up capital to open their own business, because today you cannot do without money even in the simplest form of entrepreneurship.

Of course, you are incredibly lucky if you have wealthy friends or relatives who can lend money. But not every citizen has a fortune surrounded by people who are ready to provide temporary financial support.

In this situation, the only thing left is the bank, which will help out with capital for a new business, so that you can finally take off your shackles and stop working for your uncle.

What could be better than your own business, in which only you are the owner? Indeed, it is so. But it is worth taking into account various circumstances in which not every type of activity can take off. It’s not very pleasant to go broke in business and remain in debt to the bank.

On the other hand, how can you know whether a business will fail or grow if you don’t try to open it? Here, even not the most positive work experience can bring you many useful skills and invaluable experience.

And it's worth it. Moreover, practice shows that if a person is seriously focused on results, he cannot fail, and the funds aimed at creating his own business will certainly not be thrown away. At least this step is better than purchasing new phones, cars, or fur coats.

A business loan is promising, unlike simple consumption, which brings nothing but bragging rights. But if you are building your own business for the first time, you should not aim at large loans, start small and acquire only a few details.

After receiving the first profits, you will be able to make a forecast for the coming months and years, and only then, if necessary, apply for a new loan.

Getting an education!

Famous entrepreneurs and coaches say that the best way to invest is to invest in yourself. What could be more important for a person than his own health and education?

Definitely, this method of investing is the best and most optimal. Especially if you have your own head on your shoulders. You will lay a strong and strong foundation of knowledge within yourself.

Therefore, a loan taken for education, in most cases, justifies itself and gives a fruitful result. So from any point of view, an education loan is the right decision.

There is also the “other side of the coin”. The question is where exactly do you plan to get that education. If we are talking about a prestigious university in Europe or Asia, then you can take out a loan, it will definitely pay off.

If it is a mediocre institution with a dubious program and teaching staff, the investment is unlikely to pay off. Trainings deserve special attention. Today you can find a huge number of “personal growth” trainings, business trainers and other “specialists”.

Before you go to study with such “professionals,” you should read hundreds of reviews and make the right choice. After all, not every teacher can teach necessary and useful things.

Another option is to consider free training. Today it is available, but it's only a matter of quality. Speaking not about higher education, but about trainings, you can watch videos on the Internet, read educational articles, because each such step is another building block in your knowledge, and it is this that will allow you to achieve tremendous success in life and in your career.

Conclusion: education lending is the best opportunity to make your life better and, first of all, significantly change yourself. But it is worth paying attention to the quality of the educational program that you plan to use to achieve success.

So we looked at the question of why people take out loans, and what desires and aspirations they use to explain these steps. If you approach the issue head-on, the result will not be long in coming, and there will be ways to return the money to the lender.

But if you understand and realize that a loan can turn into bondage, you should think 1000 times before making such a decision.

Reasons not to take out a loan!

We have examined the reasons and arguments that speak about the reasons for which humanity voluntarily gets into a debt hole.

Now we will study the main causal factors why you should not enter into such dubious transactions.

A refinance loan is not a good idea!

It is a process in which a new transaction is drawn up on more favorable terms to pay off an existing obligation. Clients are faced with this procedure in a situation where difficulties arise with repaying an existing loan, or the bank itself offers a reduction in the existing interest rate.

Eg, the borrower began processing the loan during the period when rates were increased and issued an obligation at 27%. Some time has passed, indicators have fallen, and another organization offers the opportunity to formalize an agreement for 15%. But here you should prepare for a larger payment or a longer period.

Conclusion: the game is not worth the candle. To ease your plight and feel even more self-confident, you should choose a restructuring service. It involves changing the key structure of the principal amount of the debt and improving the overall financial condition of the borrower.

Taking out another loan – do you need it?!

From a practical point of view, there are often cases when a person has already taken out various loans and suddenly decides to purchase another thing. Here the issue should definitely be postponed in order to avoid a significant increase in monthly loan payments.

But if a new loan is an urgent need, without which it is problematic or impossible, you should immediately begin to pay off one of the existing obligations.

It is important to follow the general everyday and banking rule: monthly loan payments should not spend more than a third of your income. If this balance is upset, the question of your solvency will be moot.

What if there is an acute shortage of money?

Such is the mentality of our people, accustomed to living from paycheck to paycheck. All expenses need to be spread over the course of the month. But sometimes circumstances arise in which there is not enough finance until salary, and the thought arises of getting a loan for just a few days.

Traditionally, people turn to microfinance organizations and are forced to overpay enormously. Of course, due to the small amounts, overpayments are practically not felt. In these cases, it is most advisable to use a loan that includes a grace period.

It will help you “intercept” the money before your payday and return it without interest overpayments. But you shouldn’t get carried away with such offers, because they are profitable for the time being.

Is it worth contacting an MFO?!

The advantage of these companies is that they are ready to provide money in just 5 minutes of studying the application solely based on the passport. This chance is attractive to citizens who need a certain amount of money, especially if the bank refuses a loan.

The overpayment in this case turns out to be huge (from 100% per year). This creates difficulties in the budget of average citizens, but most often they take funds in this way.

Another feature of MFOs is that they are suitable for almost everyone, regardless of the package of documents provided and the general history of loans.

Possibility of fraud when drawing up a contract!

Before directly signing the contractual relationship for a loan, you should carefully study all aspects. We are especially talking about points where the bank’s rights to change the interest rate unilaterally are provided, as well as the requirement of a debt obligation.

In order for the borrower to avoid loan traps, it is necessary to deal with all the reservations in advance. Better yet, record them in paper form.

Personal details of an ordinary borrower

From time to time, financial institutions conduct research and study of their borrowers in order to determine who exactly needs services and which categories are considered the most risky.

Based on such data, it is possible to determine the average and ideal client:

1. Age characteristics. According to statistics - 25-44, ideally - 39-45 years old.
2. The level of education. The average segment is dominated by clients with secondary education, ideally it should be higher.
3. Family status. Usually these are persons living in a civil marriage. Ideally, banks see families in which the children have already grown up.
4. Income level indicator. On average it is 20,000 rubles, ideally it should be equal to 35 thousand rubles.
5. Property property. Ideally, the client should have his own property and car.

As you can see from the comparison, most often the realistic data differs markedly from the ideal. This applies to the age, level of education, income, and property of the borrowers.

So we looked at why people take out loans. From a practical point of view, this is explained by a large number of causal factors.

You have prepared thoroughly and have written a clear account of your experience, education and personality. But suddenly you are asked a question: “Why do you think some people lie?” Such a turn of events will be unexpected, to say the least. Tom Hunt recruitment agency specialists - senior partner Vladimir Yakuba and Elena Starostina - will tell you how to successfully pass a projective interview.

So the question has been asked. Really, why do some people lie? You cannot be responsible for everyone, but you know for what reason you personally could lie. Or, for example, like this. The HR manager asks you a question: “What do you think is the reason why some people become more successful, while others, with the same efforts, do not achieve any results and work as sellers in a kiosk near the metro for 15 years? And you begin to reason... Listening to your reasoning, HR realizes how you would act in a given situation, since you, by and large, are having a conversation with yourself, answering the questions: “Why can I be unsuccessful? Why might I leave the company? Why do some people quit?” This displays your motivation system and much more.

So, a projective interview is based on constructing questions in such a way that they invite the candidate to evaluate not himself, but people in general or some character. We tend to transfer our life experiences and ideas to the interpretation of the actions of other people, as well as to fictitious situations, characters, etc.

What exactly is the interviewer trying to find out by asking such tricky questions?

● Motivation: material and intangible;

● relationships: “manager - employee”;

● values: honesty, loyalty;

● interaction with the team: features of communication with people;

● behavior in conflicts;

● interaction with clients.

The trick to a projective interview is that the questions are asked at a fast enough pace so that the applicant says the first thing that comes to mind. And the wording of questions regarding the actions of other people has a relaxing effect: the candidate no longer strives to please the HR manager and gives truthful answers that reveal him completely. The researcher can “deceive” the respondent’s consciousness and thus reveal his hidden motives, attitudes, attitudes, preferences, and values.

How to “survive” a projective interview

Be careful: no matter what questions HR asks, they all have one goal - to find out as much as possible about you.

First, you should learn about the concept of “locus of control.” This is the degree of independence of a person, his activity and independence. Locus of control reflects the level of responsibility of a person in achieving any of his specific goals, the level of perception of his responsibility for occurring events and their consequences. There is a difference between the external locus and the internal locus. External is when a person in most current situations does not blame himself, not his actions and actions. And if a person always considers himself to blame for everything, then the locus of control is internal. Thus, the internal locus accompanies mature individuals, but the external one, on the contrary, interferes with the process of personal maturation.

Therefore, answering the following projective questions...

● Have you ever been late?

● Have you ever failed to keep your promises?

● Have you ever talked about others behind their backs?

● Have you ever cheated?

● Have you ever made mistakes in your work?

● Does it ever happen that you fail to complete a task?

...you must remember that mature individuals take responsibility for their actions and do not blame others for their failures.

Here is an example of a projective question:

“Why do people steal in some organizations and not in others?”

Correct options:

Because in one case people work for themselves, they are interested in the success of a common cause, there is a team, but in the other there is none of this.

It depends on the selection of people: there are dishonest people, and there are honest people, and they should be hired.

Incorrect options:

You have to pay enough.

Somewhere there is simply nothing to steal.

Also, during a projective interview, they may show you a picture where, for example, a person is drawn leaving the office in the evening with a thick briefcase, they explain that this is an employee of the company and ask for comments. If you say that this is perhaps an accountant who took work home in order to prepare the quarterly report on time - great, they will see you as a responsible and hardworking person. If you say that this is probably a cook who takes home stolen food, it is doubtful, you may be suspected of personal dishonesty.

What people usually ask is what this could mean:

No. Projective question Evaluated factor

1. What motivates people to work most effectively? motivation

2. What do people like about work? motivation

3. Why does a person choose this or that profession? motivation

4. Which team is most productive? team preferences

5. What character qualities are most significant? environmental preferences

6. Why do people strive to make a career? career motivation

7.. In what situations is lying justified? admission of deception

8. Why do you think people pay back their bank loans? motives for honesty

9. Why is it justified to fire an employee immediately? values ​​in relation to the organization

10. What causes conflicts with clients most often? "bottlenecks" in working with the client.