The main characters in Maupassant's "The Necklace" are Mathilde Loisel and her husband, M. Loisel. The other characters include Mme. Jeanne Forestier, M. Georges Ramponneau and a jeweler. The story is set in France in the 19th century.
"The Necklace" tells the story of a wife, Mathilde, and her husband, M. Loisel, a clerk in the French Department of Education. Longing for something more than a middle-class life, Mathilde jumps at the chance to attend a fancy ball put on by her husband's boss, M. Ramponneau. To complete her costume, Mathilde borrows a diamond necklace from a rich friend, Mme. Forestier. When Mathilde loses the necklace, she and her husband are forced to replace it, incurring a debt that takes them 10 years to pay.