{"id":"https://openalex.org/W7203669828","doi":"https://doi.org/10.21203/rs.3.rs-10685564/v1","title":"EMI Repayment Stress and Suicidal Ideation Risk among Indian Retail Borrowers Using PLS SEM and the Interpersonal Psychological Theory of Suicide","display_name":"EMI Repayment Stress and Suicidal Ideation Risk among Indian Retail Borrowers Using PLS SEM and the Interpersonal Psychological Theory of Suicide","publication_year":2026,"publication_date":"2026-08-18","ids":{"openalex":"https://openalex.org/W7203669828","doi":"https://doi.org/10.21203/rs.3.rs-10685564/v1"},"language":"en","primary_location":{"id":"doi:10.21203/rs.3.rs-10685564/v1","doi":"https://doi.org/10.21203/rs.3.rs-10685564/v1","is_oa":true,"landing_page_url":"https://doi.org/10.21203/rs.3.rs-10685564/v1","pdf_url":"https://www.researchsquare.com/article/rs-10685564/latest.pdf","source":{"id":"https://openalex.org/S4306525896","display_name":"Research Square","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Research Square","raw_type":"posted-content"},"volume":null,"type":"preprint","is_traditional":true,"indexed_in":["crossref"],"open_access":{"is_oa":true,"oa_status":"green","oa_url":"https://www.researchsquare.com/article/rs-10685564/latest.pdf","any_repository_has_fulltext":true},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5118945445","display_name":"Jainish Bhagat","orcid":"https://orcid.org/0000-0003-3270-9172","observed_orcids":["https://orcid.org/0000-0003-3270-9172"]},"institutions":[{"id":"https://openalex.org/I4405258421","display_name":"P P Savani University","ror":"https://ror.org/00mm29v34","country_code":"IN","type":"education","lineage":["https://openalex.org/I4405258421"]}],"countries":["IN"],"is_corresponding":true,"raw_author_name":"JAINISH BHAGAT","raw_affiliation_strings":["p p savani university"],"raw_orcid":"https://orcid.org/0000-0003-3270-9172","affiliations":[{"raw_affiliation_string":"p p savani university","institution_ids":["https://openalex.org/I4405258421"]}]}],"institutions":[],"countries_distinct_count":1,"institutions_distinct_count":1,"corresponding_author_ids":["https://openalex.org/A5118945445"],"corresponding_institution_ids":["https://openalex.org/I4405258421"],"apc_list":null,"apc_paid":null,"fwci":null,"has_fulltext":true,"cited_by_count":2,"citation_normalized_percentile":null,"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10376","display_name":"Suicide and Self-Harm Studies","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/3203","display_name":"Clinical Psychology"},"field":{"id":"https://openalex.org/fields/32","display_name":"Psychology"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10376","display_name":"Suicide and Self-Harm Studies","score":0.9980000257492065,"subfield":{"id":"https://openalex.org/subfields/3203","display_name":"Clinical Psychology"},"field":{"id":"https://openalex.org/fields/32","display_name":"Psychology"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T10517","display_name":"Financial Literacy, Pension, Retirement Analysis","score":0.00019999999494757503,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11653","display_name":"Financial Distress and Bankruptcy Prediction","score":9.999999747378752e-05,"subfield":{"id":"https://openalex.org/subfields/1402","display_name":"Accounting"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/suicidal-ideation","display_name":"suicidal ideation","score":0.9639999866485596},{"id":"https://openalex.org/keywords/interpersonal-theory-of-suicide","display_name":"interpersonal theory of suicide","score":0.6470000147819519},{"id":"https://openalex.org/keywords/hopelessness","display_name":"hopelessness","score":0.7960000038146973},{"id":"https://openalex.org/keywords/financial-anxiety","display_name":"financial anxiety","score":0.8159999847412109},{"id":"https://openalex.org/keywords/perceived-burdensomeness","display_name":"perceived burdensomeness","score":0.9729999899864197},{"id":"https://openalex.org/keywords/thwarted-belongingness","display_name":"thwarted belongingness","score":0.9940000176429749},{"id":"https://openalex.org/keywords/perceived-social-support","display_name":"perceived social support","score":0.8460000157356262},{"id":"https://openalex.org/keywords/household-over-indebtedness","display_name":"household over-indebtedness","score":0.9120000004768372},{"id":"https://openalex.org/keywords/financial-distress","display_name":"financial distress","score":0.6809999942779541},{"id":"https://openalex.org/keywords/india","display_name":"India","score":0.32899999618530273}],"concepts":[{"id":"https://openalex.org/C2776641880","wikidata":"https://www.wikidata.org/wiki/Q944142","display_name":"Suicidal ideation","level":4,"score":0.7132999897003174},{"id":"https://openalex.org/C71104824","wikidata":"https://www.wikidata.org/wiki/Q1476639","display_name":"Structural equation modeling","level":2,"score":0.6280999779701233},{"id":"https://openalex.org/C15744967","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychology","level":0,"score":0.5821999907493591},{"id":"https://openalex.org/C558461103","wikidata":"https://www.wikidata.org/wiki/Q154430","display_name":"Anxiety","level":2,"score":0.498199999332428},{"id":"https://openalex.org/C3017944768","wikidata":"https://www.wikidata.org/wiki/Q1450463","display_name":"Poison control","level":2,"score":0.4521999955177307},{"id":"https://openalex.org/C179420905","wikidata":"https://www.wikidata.org/wiki/Q223871","display_name":"Mediation","level":2,"score":0.42410001158714294},{"id":"https://openalex.org/C120527767","wikidata":"https://www.wikidata.org/wiki/Q3196867","display_name":"Debt","level":2,"score":0.3977000117301941},{"id":"https://openalex.org/C2779183389","wikidata":"https://www.wikidata.org/wiki/Q5532392","display_name":"General strain theory","level":3,"score":0.3824000060558319},{"id":"https://openalex.org/C526869908","wikidata":"https://www.wikidata.org/wiki/Q3298118","display_name":"Suicide prevention","level":3,"score":0.3790999948978424},{"id":"https://openalex.org/C164850336","wikidata":"https://www.wikidata.org/wiki/Q3685487","display_name":"Interpersonal communication","level":2,"score":0.3662000000476837},{"id":"https://openalex.org/C120936955","wikidata":"https://www.wikidata.org/wiki/Q2155640","display_name":"Empirical research","level":2,"score":0.3456000089645386},{"id":"https://openalex.org/C70410870","wikidata":"https://www.wikidata.org/wiki/Q199906","display_name":"Clinical psychology","level":1,"score":0.3384999930858612},{"id":"https://openalex.org/C43214815","wikidata":"https://www.wikidata.org/wiki/Q7310987","display_name":"Reliability (semiconductor)","level":3,"score":0.3230000138282776},{"id":"https://openalex.org/C166052673","wikidata":"https://www.wikidata.org/wiki/Q83021","display_name":"Empirical evidence","level":2,"score":0.31700000166893005},{"id":"https://openalex.org/C165957694","wikidata":"https://www.wikidata.org/wiki/Q5421350","display_name":"Exploratory factor analysis","level":3,"score":0.3158000111579895},{"id":"https://openalex.org/C166735990","wikidata":"https://www.wikidata.org/wiki/Q1750812","display_name":"Human factors and ergonomics","level":3,"score":0.3156000077724457},{"id":"https://openalex.org/C93225998","wikidata":"https://www.wikidata.org/wiki/Q1941972","display_name":"Moderation","level":2,"score":0.2946000099182129},{"id":"https://openalex.org/C2910200283","wikidata":"https://www.wikidata.org/wiki/Q9418","display_name":"Psychological Theory","level":2,"score":0.28619998693466187},{"id":"https://openalex.org/C2776867660","wikidata":"https://www.wikidata.org/wiki/Q1814941","display_name":"Depression (economics)","level":2,"score":0.28519999980926514},{"id":"https://openalex.org/C76073288","wikidata":"https://www.wikidata.org/wiki/Q1337875","display_name":"Financial risk","level":2,"score":0.2667999863624573},{"id":"https://openalex.org/C24614281","wikidata":"https://www.wikidata.org/wiki/Q17086331","display_name":"Moderated mediation","level":2,"score":0.2662999927997589},{"id":"https://openalex.org/C77805123","wikidata":"https://www.wikidata.org/wiki/Q161272","display_name":"Social psychology","level":1,"score":0.26579999923706055},{"id":"https://openalex.org/C190385971","wikidata":"https://www.wikidata.org/wiki/Q373494","display_name":"Injury prevention","level":3,"score":0.262800008058548},{"id":"https://openalex.org/C21036866","wikidata":"https://www.wikidata.org/wiki/Q181767","display_name":"Stress (linguistics)","level":2,"score":0.25040000677108765}],"mesh":[],"locations_count":1,"locations":[{"id":"doi:10.21203/rs.3.rs-10685564/v1","doi":"https://doi.org/10.21203/rs.3.rs-10685564/v1","is_oa":true,"landing_page_url":"https://doi.org/10.21203/rs.3.rs-10685564/v1","pdf_url":"https://www.researchsquare.com/article/rs-10685564/latest.pdf","source":{"id":"https://openalex.org/S4306525896","display_name":"Research Square","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Research Square","raw_type":"posted-content"}],"best_oa_location":{"id":"doi:10.21203/rs.3.rs-10685564/v1","doi":"https://doi.org/10.21203/rs.3.rs-10685564/v1","is_oa":true,"landing_page_url":"https://doi.org/10.21203/rs.3.rs-10685564/v1","pdf_url":"https://www.researchsquare.com/article/rs-10685564/latest.pdf","source":{"id":"https://openalex.org/S4306525896","display_name":"Research Square","issn_l":null,"issn":null,"is_oa":false,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":null,"host_organization_name":null,"host_organization_lineage":[],"host_organization_lineage_names":[],"type":"repository"},"license":"cc-by","license_id":"https://openalex.org/licenses/cc-by","version":"submittedVersion","is_accepted":false,"is_published":false,"raw_source_name":"Research Square","raw_type":"posted-content"},"sustainable_development_goals":[{"score":0.8560000061988831,"display_name":"Good health and well-being","id":"https://metadata.un.org/sdg/3"}],"study_designs":[{"display_name":"Observational Study","id":"https://openalex.org/study-designs/observational-study"}],"awards":[],"funders":[],"has_content":{"grobid_xml":true,"pdf":true},"content_urls":{"pdf":"https://content.openalex.org/works/W7203669828.pdf","grobid_xml":"https://content.openalex.org/works/W7203669828.grobid-xml"},"referenced_works_count":6,"referenced_works":["https://openalex.org/W2105846236","https://openalex.org/W2143095451","https://openalex.org/W2152462550","https://openalex.org/W2905811773","https://openalex.org/W4400012535","https://openalex.org/W4400012612"],"related_works":["https://openalex.org/W2032788245","https://openalex.org/W1965287398","https://openalex.org/W3192277737","https://openalex.org/W7204831234","https://openalex.org/W4407280659","https://openalex.org/W4378952500","https://openalex.org/W3044245094","https://openalex.org/W2749223162","https://openalex.org/W3119272368","https://openalex.org/W2017200099"],"abstract_inverted_index":{"Abstract":[0],"Household":[1],"over-indebtedness":[2],"is":[3],"an":[4],"escalating":[5],"feature":[6],"of":[7,65,119,173],"India's":[8],"rapidly":[9],"expanding":[10],"retail-credit":[11],"economy.":[12],"Rising":[13],"equated":[14],"monthly":[15],"instalment":[16],"(EMI)":[17],"obligations":[18],"have":[19],"been":[20],"repeatedly":[21],"implicated":[22],"in":[23,56,61,79,201],"suicide":[24,210],"statistics":[25],"as":[26,101,112],"a":[27,76,113,117],"contextual":[28],"factor":[29],"linked":[30],"to":[31,50,103,209],"severe":[32],"financial":[33,199],"distress.":[34],"Despite":[35],"high":[36],"policy":[37],"salience,":[38],"individual-level":[39],"empirical":[40],"research":[41],"examining":[42],"the":[43,57,62,132],"psychological":[44,94],"pathways":[45,102,183],"connecting":[46],"debt":[47],"repayment":[48],"stress":[49,208],"suicidal":[51],"ideation":[52],"risk":[53],"remains":[54],"scarce":[55],"Indian":[58,120],"context.":[59],"Grounded":[60],"Interpersonal-Psychological":[63],"Theory":[64],"Suicide":[66],"and":[67,74,90,138,153,162,187,194],"Beck's":[68],"Hopelessness":[69,157],"Theory,":[70],"this":[71],"study":[72],"develops":[73],"tests":[75],"structural":[77],"model":[78,134],"which":[80],"EMI":[81,207],"Debt":[82,142],"Repayment":[83,143],"Burden":[84,144],"predicts":[85],"Financial":[86,147],"Anxiety,":[87],"Perceived":[88,108,150,159],"Burdensomeness,":[89],"Thwarted":[91,154,163],"Belongingness.":[92],"These":[93],"states,":[95],"together":[96],"with":[97,107],"Hopelessness,":[98],"are":[99,203],"modelled":[100],"Suicidal":[104,168],"Ideation":[105,169],"Risk,":[106,170],"Social":[109],"Support":[110],"acting":[111],"protective":[114],"factor.":[115],"Using":[116],"sample":[118],"retail":[121],"borrowers":[122],"analyzed":[123],"via":[124],"Partial":[125],"Least":[126],"Squares":[127],"Structural":[128],"Equation":[129],"Modelling":[130],"(PLS-SEM),":[131],"measurement":[133],"demonstrated":[135],"strong":[136],"reliability":[137],"validity":[139],"(\\(\\:\\text{AVE}>0.65\\);":[140],"\\(\\:\\text{HTMT}<0.60\\)).":[141],"significantly":[145,166],"predicted":[146,167],"Anxiety":[148],"(\\(\\:\\beta\\:=0.400\\)),":[149],"Burdensomeness":[151,160],"(\\(\\:\\beta\\:=0.420\\)),":[152],"Belongingness":[155,164],"(\\(\\:\\beta\\:=0.265\\)).":[156],"(\\(\\:\\beta\\:=0.373\\)),":[158],"(\\(\\:\\beta\\:=0.188\\)),":[161],"(\\(\\:\\beta\\:=0.182\\))":[165],"explaining":[171],"38.6%":[172],"its":[174],"variance":[175],"(\\(\\:{R}^{2}=0.386\\)).":[176],"Bootstrapped":[177],"mediation":[178],"analysis":[179],"confirmed":[180],"significant":[181],"indirect":[182],"through":[184],"burdensomeness,":[185,196],"belongingness,":[186],"hopelessness.":[188],"Findings":[189],"highlight":[190],"that":[191],"relational":[192],"strain":[193],"perceived":[195],"rather":[197],"than":[198],"hardship":[200],"isolation,":[202],"central":[204],"mechanisms":[205],"linking":[206],"risk.":[211]},"counts_by_year":[{"year":2026,"cited_by_count":2}],"updated_date":"2026-11-09T13:22:03.289127","created_date":"2026-08-19T00:00:00"}
