स्त्री चाप्रतिश्राविणी पतिकृतमृणमन्यत्र गोपालकार्धसीतिकेभ्यः ॥ कZ_०३.११.२३ ॥
strī cāpratiśrāviṇī patikṛtam ṛṇam anyatra gopālakārdhasītikebhyaḥ
A wife is not liable for a debt contracted by her husband, except for obligations connected with cowherding and with share-cultivation arrangements (e.g., half-share and similar agricultural contracts).
They are tied to household subsistence and productive enterprise; the law assigns broader household responsibility where credit directly sustains ongoing livelihood operations.