@article{fdi:010092678,
  title = {{P}sychology of debt in rural {S}outh {I}ndia},
  author = {{N}atal, {A}. and {N}ordman, {C}hristophe},
  editor = {},
  language = {{ENG}},
  abstract = {{T}his study is the first attempt to examine the extent to which the {B}ig {F}ive personality traits and cognitive skills ({R}aven scores, numeracy, and literacy scores) are correlated with debt negotiation and debt management in a {G}lobal {S}outh country; and how social identity - in particular caste and gender - channels the effect of cognition on debt outcomes. {U}sing a panel dataset built from an original household survey (called {NEEMSIS}) conducted in 2016-2017 and 2020-2021 in rural {T}amil {N}adu, {I}ndia, and employing multivariate correlation probit analysis with lagged variables, we find the following. {F}irstly, conscientiousness is an advantage in the negotiation and management of debt, particularly for non-{D}alit women, suggesting that, in a rural patriarchal context, women leverage personality traits to overcome the constraints of social identity. {S}econdly, emotional stability is a disadvantage in both debt negotiation and management. {T}hirdly, the role of cognition and in particular the {R}aven score is ambiguous.},
  keywords = {{B}ig {F}ive ; personality traits ; cognitive skills ; gender ; caste ; social ; identity ; {INDE} ; {TAMIL} {NADU}},
  booktitle = {},
  journal = {{J}ournal of {D}evelopment {S}tudies},
  volume = {61},
  numero = {7},
  pages = {1042--1057},
  ISSN = {0022-0388},
  year = {2025},
  DOI = {10.1080/00220388.2025.2451871},
  URL = {https://www.documentation.ird.fr/hor/fdi:010092678},
}