Who makes our problems

If we believe that "God" exist then he is the cause of all our problems.

Very true. Most people are the ones who created their own problem so most probably they should be the one to fix it themselves.

I think problem is made between the situation and the people involved. Like timing, suitability, incapacity, wrong decisions, out of space, weather, forgotting, been overlooked, high complaisant, wrong assumption, delays, natural behaviour, etc. But who to blame? Anything can become a requisite. I wake up late, because my neighbor last night had celebrated some occasions and become too loud that I cant sleep. Because of that, I missed my important meeting that morning, wherein my boss got really pissed. Then, after the meeting, having no enough information, which I hope I had given, the client decline our offer which results to our sales to decrease, that no bonus, that my credit card is unpaid resulting to added charges, that I've been bad mood all week long, that my relationship to my wife become worse, that my daughter cant concentrate on her study, that she choose to runaway with her boyfriend because of often arguments at home, and what more! Maybe problems are things that's out of our hands. But we have choices not to make it worst, I suppose.

It is created by ourselves and the environment.

In some instances, we usually create our own problem. But then, we need to take full of the responsibility for it.

Yep!.. But that's depend on us one may wish to solve it or other time it may not!