Karunaratne, H.D. and M.A.Y.D. Madurapperuma (2003)“Informal Micro-lending and Entrepreneurship Development in Urban Sri Lanka: The Case of Daily Collection Scheme in Gampaha Town”, A research paper presented at the First International Conference of the Management, Organized by the Faculty of Management & Commerce, University of Sri Jayewardenepura, Sri Lanka in 22^nd March 2003.