O.V. ZAKHAROVA, A.M. KARPOV KSMA – Branch Campus of the FSBEI FPE RMACPE MOH Russia, Kazan, Russian Federation  Contact details: Zakharova O.V. ― postgraduate student of the Department of Psychotherapy and Narcology Address: 11 Mushtari St., Kazan, Russian Federation, 420012, e-mail: [email protected]   Active lending to individuals has contributed to the emergence of millions of borrowers […]