Despite her parents' poverty, dusty earned a phd at a prestigious university. dusty credits her educational success to hardiness and resilience and blames her inability to manage money on the culture of poverty in which she was raised. dusty reflects an attributional bias known as

Self-serving bias

Explanation:

Self-serving bias is the social psychology concept in which a person takes all the credit when something happened positively but if something happened wrong or negative consequences, will blame external factors. This depends on race-ethnicity, age, gender, etc.  

It is of two type

For instances:

When someone gets a good grade in the test will take the credit for self that she/he worked hard but in the same situation on the other test get a low grade or will fail blame teacher for not liking him.  

a bad leader      

answer; /// the above statement is (true);