What creates an ethical dilemma?

Prepare for the Fincert Certified Personal Financial Counselor (CPFC) Exam with flashcards and multiple-choice questions. Each question is complemented by hints and explanations. Get exam-ready today!

An ethical dilemma arises when an individual encounters a situation where personal beliefs conflict with established ethical standards or societal norms. This internal conflict creates a challenging scenario in which the person must make a decision that may compromise their values or duties.

In situations where personal beliefs clash with ethical guidelines, the decision-making process becomes complex, as one might feel torn between following their own moral compass and adhering to the expectations of professional ethics or society. This can lead to significant stress and uncertainty regarding which course of action to take.

The other choices describe conditions that do not contribute to an ethical dilemma. Clear guidance from external authorities simplifies decision-making rather than complicating it. A lack of moral principles would likely lead to apathy or indifference rather than a dilemma. Unambiguous situations typically do not result in ethical dilemmas, as they present clear right or wrong choices without the conflicting pressures that characterize ethical dilemmas.

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