Karunaratne, H.D. (2012) “Impact of Foreign Remittances and Financial Literacy on Poverty Reduction in Sri Lanka: A Comparative Study on Beneficiaries of Samurdhi and Divineguma Programs”, Research paper presented at Seminar on Poverty Alleviation Jointly Organized by the Lakshman Kadirgamar Institute for International Relations and Strategic Studies (LKIIRSS), Colombo, Sri Lanka and Research and Development system for Developing Countries (RIS), New Delhi, India.