In an environment where Sri Lanka is recovering from its third shock in six years, our economy it not capable of withstanding much. The social landscape stands vulnerable as almost 1/4th of Sri Lankan’s live below the middle-income poverty line earning less than Rs. 1100 a day. About 33% of households goes into debt to cover their basic day-to-day needs, such as food, education and medical treatments.The prevailing common theme is pawning jewellery meet regular income needs.A further, quarter of