What is the direct and indirect characterization of Madame Loisel in "The Necklace"?

Directoccurs
when the author explains in full view what are the personality traits of the character. In this
case, Mdme Loisel is a "very pretty" , charming, young woman.

In
the story, she was directly described as:

The
girl was one of those pretty and charming young creatures who sometimes are born, as if by a
slip of fate, into a family of clerks. She had no dowry, no expectations, no way of being known,
understood, loved, married by any rich and distinguished man.

Meanwhile, she is also described in the end directly as

Madame Loisel looked old now. She had become the woman of
impoverished households--strong and hard and rough. With frowzy hair, skirts askew and red
hands, she talked loud while washing the floor with great swishes of water. But sometimes, when
her husband was at the office, she sat down near the window and she thought of that gay evening
of long ago, of that ball where she had been so beautiful and so admired.

Indirectly, she is described by the reader and by the author
by:

Speech: We know she complained endlessly about her situation, whined to
her husband, was partially rude to him and dismissed any attention he had towards her.

Thoughts-She continuously dreams of bigger and better things. She imagines her humble
dinner table as an opulent table where people eat trout and truffles rather than soup. She feels
indebted to her friend and is willing to work to pay back the necklace, and she submits to a
life of poverty.

Effects- She is like a nemesis to her husband, who had to
endure 10 years of hard work and sacrifice, already after having sacrificed 400 francs to
purchase a dress for her for this one ball. She has ruined their lives with her
ambition.

Actions-Mdme Loisel through her actions showed that her sense of
shame was too high. However, she set herself lose in the dance floor showing the reader the
inner desperation she had to experience a life of luxury.

Looks-Mdme's looks
became directly proportional to her life. She aged incredibly, looked worn out and provincial,
lower than what she would've deemed as "low" and petty, catty, and disillusioned with
life.