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Financial & Human DevelopmentSkill Enhancement | Community Empowerment

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Free Financial Counselling and confidential debt relief session with Gamini Ariyasingha
Home›Training Programmes›Free Financial Counselling & Debt Relief
National Community Empowerment Initiative100% FREE SERVICE

Free Financial Counselling & Debt Relief

ජාතික මට්ටමේ නොමිලේ පෞද්ගලික මූල්‍ය උපදේශන සහ ප්‍රජා සවිබල ගැන්වීමේ සේවාව

100% Free & Strictly Confidential Financial Advisory to Overcome Debt Distress

Across Sri Lankan rural and urban communities, falling into microfinance debt traps has caused severe family disruptions, psychological trauma, and acute social friction. Under the leadership of State Award-Winning Astrologer and Community Leader Gamini Ariyasingha (JP), Ceylon Grameen operates this humanitarian service 100% free of charge, with complete privacy and strict confidentiality to help distressed families reclaim their dignity and rebuild their lives.

Book Free Counselling SessionHotline: +94 71 920 1444
DurationOne-on-One Sessions & Island-Wide Community Workshops
FormatFace-to-Face, Dedicated Phone, WhatsApp Voice/Text & Community Lectures
Intake ScheduleImmediate & Continuous Support (Open Daily via Dedicated Access Lines)
CertificationConfidential Debt Restructuring Plan & Household Action Roadmap

Programme Overview

Sociological Context & Mission Objective: Across Sri Lankan rural and urban communities, falling into microfinance debt traps has caused severe family disruptions, psychological trauma, and acute social friction. Multiple borrowings per household have eroded livelihoods instead of promoting micro-enterprise development.

Under the leadership of State Award-Winning Astrologer, Social Activist, and Community Leader Gamini Ariyasingha (JP)—Executive Director of the Blooming Buds Social Foundation and veteran of over 24 years in the finance and microfinance sector—Ceylon Grameen International Academy operates this humanitarian service 100% free of charge, with complete privacy and strict confidentiality.

Core Operational Modes: 1) Individual Counselling: One-on-one personalized advisory for distressed individuals and women, delivered face-to-face, via Telephone, WhatsApp, or formal correspondence with guaranteed 100% strict confidentiality. 2) Community Awareness Sessions: Free educational lectures and advisory workshops conducted directly for community organizations, women’s societies, and NGOs island-wide upon invitation.

Executive Message from the Founder: "Financial literacy and ethical guidance are paramount when interacting with financial institutions and restoring vulnerable households. Our sacred duty is to ensure no mother or family trapped in a debt cycle suffers in isolation, providing them with the psychological resilience, legal clarity, and financial strategy needed to reclaim their dignity and rebuild their lives." — Gamini Ariyasingha (JP)

Why Enrol in this Programme?

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100% Free of charge with guaranteed strict confidentiality — your private financial information is never disclosed.

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One-on-one psychological coping strategies to overcome debt-induced anxiety and heal family disharmony.

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Practical debt prioritization roadmap to escape the compound interest trap of multiple microfinance loans.

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Education on consumer rights under the Microfinance and Credit Regulatory Authority (MCRA) Act to prevent harassment.

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Practical guidance on household budgeting, micro-savings, and viable home-based self-employment streams.

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Free community workshops available for women’s societies, village groups, and NGOs anywhere in Sri Lanka.

Detailed Curriculum & Syllabus

Our syllabus is structured into comprehensive, step-by-step operational modules taught by practicing microfinance leaders.

01

Module 01: Financial Stress & Mental Wellbeing

Psychological Coping Strategies & Resolving Domestic Friction (මූල්‍ය පීඩනය සහ මානසික සුවතාවය)

Topics Covered:

  • •Understanding and managing debt-induced psychological stress, anxiety, and sleep deprivation.
  • •Resolving domestic conflicts, marital stress, and family friction arising from financial distress.
  • •Overcoming social stigma and feelings of helplessness through compassionate, confidential listening.
  • •Restoring emotional resilience, self-worth, and a positive mindset to confront financial realities constructively.
02

Module 02: Multiple Debt (Cross-Borrowing) Management

Prioritization & Sustainable Repayment Roadmaps (බහුවිධ ණය කළමනාකරණය)

Topics Covered:

  • •Analyzing the danger of borrowing from new micro-lenders to service older loans (the debt spiral).
  • •Conducting a transparent household debt audit: mapping all formal, informal, pawned, and daily loans.
  • •Ranking liabilities by interest rate severity, collateral risk, and legal urgency (Debt Restructuring).
  • •Formulating structured, realistic repayment proposals that halt compound interest penalties.
03

Module 03: Household Budgeting & Self-Employment

Expense Control, Micro-Savings & Supplementary Incomes (ගෘහස්ථ ආර්ථිකය සහ පවුලේ අයවැය)

Topics Covered:

  • •Controlling expenditure strictly relative to actual household net income.
  • •Eliminating cash leaks and restructuring daily living costs to protect essential nutrition and schooling.
  • •Developing micro-savings habits and small emergency buffer funds to prevent emergency borrowing.
  • •Exploring viable supplementary income streams and home-based self-employment opportunities.
04

Module 04: Legal Awareness & Consumer Rights

MCRA Protections & Amicable Negotiations (නීතිමය දැනුවත්භාවය සහ අයිතිවාසිකම්)

Topics Covered:

  • •Educating borrowers on consumer rights under the Microfinance and Credit Regulatory Authority (MCRA) Act.
  • •Understanding legal boundaries regarding debt collection, harassment prevention, and borrower dignity.
  • •Approaching the Conciliation Board (Samatha Mandala) for peaceful, non-litigious dispute resolution.
  • •Techniques for peaceful, dignified dialogue and written negotiations with credit institutions and lenders.

Investment Schedule & Training Packages

Base rate: LKR 7,500/= per participant per day hosted at the Ceylon Grameen Academy premises (includes morning tea, buffet lunch, afternoon tea, and complete manuals).

Private Consultations (By Appointment)

One-on-One Personalized Counselling

Distressed individuals, women & families suffering from severe debt burdens & mental strain

Investment:100% FREE (Strict Confidentiality)
Half-Day / Full-Day Sessions

Community Awareness Lectures & Workshops

Women’s societies, rural community organizations & NGOs island-wide (Upon Invitation)

Investment:100% FREE (Community Service)
Flexible Continuous Response

Remote WhatsApp Voice & Audio Advisory

Families island-wide submitting confidential queries, documents or voice notes

Investment:100% FREE (Immediate Access)
Structured Step-by-Step Roadmap

Debt Restructuring & Legal Rights Advisory

Households trapped in multiple loans needing debt prioritization & MCRA consumer rights guidance

Investment:100% FREE (Humanitarian Mission)

General Package Inclusions:

  • ✓100% Free of Charge — Zero fees, zero consultation charges, and zero hidden costs.
  • ✓Guaranteed 100% Strict Confidentiality — Client identities and financial data are never disclosed to third parties.
  • ✓Guidance by 24+ years microfinance sector veteran and UN community activist Gamini Ariyasingha (JP).
  • ✓Consumer rights education under the Microfinance and Credit Regulatory Authority (MCRA) Act.

In-House & On-Site Corporate Training (At Financial Institution / Branch Network):

Community & NGO Invitations: Community organizations, rural women’s societies, and NGOs anywhere in Sri Lanka can invite Gamini Ariyasingha (JP) to conduct free on-site community financial awareness lectures and debt relief clinics directly in their areas.

Target Competencies & Learning Outcomes

  • ✓Attain emotional clarity and overcome the paralyzing psychological stress caused by debt pressure.
  • ✓Stop the cross-borrowing cycle and establish a sustainable repayment plan that protects family essentials.
  • ✓Know your legal consumer rights under Sri Lankan law and the Microfinance Regulatory framework.
  • ✓Create a balanced family budget and explore realistic self-employment opportunities to rebuild income.

Target Audience & Career Opportunities

Who Should Attend:

Debt-Distressed Individuals, Women & Families Burdened by Multiple Microfinance Loans, Informal Creditors & Financial Anxiety

Career Pathways for Graduates:

Dignified & Debt-Free Household LivingRestored Family Harmony & Mental PeaceSustainable Micro-Enterprise & Self-EmploymentLifelong Financial Literacy & Independence

“Financial literacy and ethical guidance are paramount when interacting with financial institutions and restoring vulnerable households. Our sacred duty is to ensure no mother or family trapped in a debt cycle suffers in isolation, providing them with the psychological resilience, legal clarity, and financial strategy needed to reclaim their dignity and rebuild their lives.”

Gamini Ariyasingha (JP)Founder & Lead Consultant • Executive Director, Blooming Buds Social Foundation

Frequently Asked Questions

Is this counselling service genuinely 100% free of charge?

Yes, completely free. There are zero fees, zero consultation charges, and zero hidden costs. It is operated as a non-profit humanitarian service under the leadership of Gamini Ariyasingha (JP) to support families in debt distress.

How is client privacy and confidentiality protected?

We guarantee 100% strict confidentiality. Your name, personal details, household discussions, and financial situation are never disclosed to third parties, banks, or credit providers.

How can I access this counselling service?

You can connect through dedicated phone lines, WhatsApp text/voice messages, formal letters, or by scheduling an in-person appointment. Distant families can easily receive guidance via phone or WhatsApp.

Can community groups or women’s societies invite you for free lectures?

Yes! Women’s societies, village organizations, and NGOs across Sri Lanka can invite our lead consultant Gamini Ariyasingha (JP) to conduct free on-site community awareness lectures and debt clinics.

100% FREE SERVICE

Enrolment & Admissions

Course Investment:100% FREE OF CHARGE — Zero Consultation Charges, Zero Hidden Fees (Humanitarian Initiative)
  • Intake:Immediate & Continuous Support (Open Daily via Dedicated Access Lines)
  • Duration:One-on-One Sessions & Island-Wide Community Workshops
  • Format:Face-to-Face, Dedicated Phone, WhatsApp Voice/Text & Community Lectures
  • Credential:Confidential Debt Restructuring Plan & Household Action Roadmap
Book Free Counselling

Need help or course guidance?

Hotline: +94 71 920 1444

Academic Leadership

Gamini Aryasinha (JP)

Gamini Aryasinha (JP)

Founder & Executive Director

“Every training module we deliver is anchored in over 20 years of grassroots field operations and human empathy.”

View Founder Profile→

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