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Female-heads of households see their struggles compounded by pandemic

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The pandemic has highlighted the urgency of economic empowerment for women and girls all over the world. But there is a particular urgency to address the challenges being faced by female-headed households, which make up over a quarter of Sri Lankan homes.

Tharshani, now 45, had already been struggling to make ends meet since her husband died 15 years ago due to the conflict. But since the COVID-19 pandemic and lockdowns that started last year, her income from poultry farming has dropped, and her eldest daughter, who they relied on for household expenses, has found no daily-wage work.

“During the lockdown we had to take loans from our neighbours,” said Tharshani (not her real name). “We were struggling to find money for food, and my son had to go to school every day without breakfast. I was afraid he might not be able to continue his education,” said the mother of three.

Tharshani’s story is by no means unusual in Sri Lanka, where over a quarter of households (25.8% percent, or 1.4 million) are headed by women. More than half of those are run by widows – more than one in 10 of all the country’s households. Many of those lost their husbands in the civil conflict that ravaged the country from 1983 to 2009.

“Women are losing their livelihoods faster” than men in the pandemic, explained Ramaaya Salgado, Country Focal Point at UN Women in Sri Lanka. “This is because they are exposed to hard-hit economic sectors, have less access to social protections and are more likely to be burdened with unpaid care and domestic work. Female heads of households in particular carry a double burden in caring for their dependants and being the sole breadwinner of the family,” she said.

“Long-term investment in social protection is needed to ensure female heads of households are resilient in the face of crisis situations. Hence, women’s economic empowerment must be at the heart of COVID-19 response and recovery.”

Recovering from the COVID-19 crisis must include urgent policy action to introduce economic support packages for vulnerable women, according to the UN Women publication ‘Gender Equality in the Wake of COVID-19’.

Further, the publication highlights that eliminating inequality in the labour market is more urgent than ever. This includes addressing issues related to occupational segregation, gender pay gaps and inadequate access to affordable childcare. Data on socioeconomic effects as well as improved and up-to-date gender-responsive data collection systems are also vital to understanding the pandemic’s impact on different groups of women.

Last year, with support from the government of Australia (DFAT), UN Women in Sri Lanka together with local NGO Viluthu have supported more than 1,300 female-headed households through the delivery of emergency relief packs including dry rations to meet their daily needs.

“With enough supplies for the next few months, I am now able to save up to cover the costs of my son’s education”, says Tharshani who was also among those that received the emergency relief packs.

2020 marked the 25th anniversary of the landmark Beijing Declaration and Platform for Action, which set out how to remove the systemic barriers that hold women back from equal participation in all areas of life. To ensure economic empowerment of female heads of households like Tharshani, COVID-19 is a reminder that urgent action is needed to invest in the future of women and girls in Sri Lanka, and around the world.



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Steps leading to the achievement of SL’s national interest in IOR

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Prof. Nobukatsu Kanehera: ‘Rulesbased order violated.’

Sri Lanka needs to build awareness, effective policies and encourage regional multilateral frameworks to develop a multi-pronged approach to secure its national interest and safeguard regional stability in the Indian Ocean Region (IOR), as the region together with its seabed have become an area of strategic competition, former Assistant Chief Cabinet Secretary to former Japanese Prime Minister Shinzo Abe, Prof Nobukatsu Kanehara said.

“The Indian Ocean has been a maritime highway for millennia, with Sri Lanka being a midway point of the flow of trade, culture, technology and intellectual progress, Prof Kanehara said at the 4th Pathfinder Foundation Sri Lanka Indian Ocean Security Council Conference held recently at the Cinnamon Grand Hotel. The forum was presided over by Pathfinder Foundation Sri Lanka Chairman Ambassador (retd.) Dr. Bernard Goonetilleke.

The forum’s purpose was to obtain expert commentary regarding the need for Sri Lanka to ‘up its game’ in the IOR.

Abe said that from the 1870s onwards, the Indian Ocean had become the global communications highway, with the British Empire laying submarine cables from Aden to Mumbai, linking Europe to South Asia.

‘Since then, with the passage of time, Ceylon, and later Sri Lanka, has seen the bulk of the global digital communications umbilical laid through its maritime domain of influence, with over a dozen such cables laid over the island’s Exclusive Economic Zone (EEZ) thus far, he said.

Prof. Kanehera added: ” With the rise of Artificial Intelligence (AI) and increasing digitisation, such submarine cables have become critical strategic infrastructure for the island nation as well as the region.

‘This timely conference came as world powers rushed to secure critical minerals needed to maintain a technology edge over rivals, both militarily and economically, disrupting the longstanding rules-based order, especially at sea and in trade.

‘The lack of cognition regarding how to understand and navigate the return to a near Cold War era strategic competition in the Indian Ocean, and increasingly in the sub-surface domain and the seabed, among Sri Lanka’s policy making community, bureaucrats and public leaves the economically weakened island nation more vulnerable to geopolitical coercion, shocks and tug-o-war, which will likely increase in the coming decade.’

By Hiran H Senewiratne

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Automobile Association of Ceylon donates towards Disaster Relief Support Fund

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Automobile Association of Ceylon (AAC) donated Rs. 25 Million towards the Disaster Relief Support Fund to assist the Ditwah Cyclone victims.

A donation was handed over to Dr. S N Kumanayake, Secretary to the President of Democratic Socialistic Republic of Sri Lanka by Dhammika Attygalle, President – AAC at the Presidential Secretariat on the 19th February 2026 in the presence of Executive Committee members.

Dhammika Attygalle President AAC (third from Left) handing over the cheque to Dr S N Kumanayake, Secretary to the President of Democratic Socialistic Republic of Sri Lanka.

In the picture L-R Lasitha Gunaratne- EXCO Member – AAC, Devapriya Hettiarachchi – Secretary -AAC, P H Liyanage, P B Kulatunga & Indunil Udaya – Members of the EXCO – AAC

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‘Sri Lanka’s first AI-powered digital trainer for Banca partners’

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A few highlights from the NAVI Launch event.

HNB Assurance PLC recently introduced NAVI, The Digital Trainer, a new AI-powered training companion designed to support its banca staff with instant, reliable access to knowledge, whenever they need it. The solution was unveiled at Partnership Life, the company’s annual forum dedicated to celebrating the performance of its Partnership Channel.

Built to make learning simpler and more accessible, NAVI is a voice-enabled AI chatbot that helps banca staff quickly find product information, policy details, and process-related guidance by drawing from a centralized knowledge bank. Whether on the go or at the point of customer interaction, NAVI ensures that answers are never out of reach.

Sharing his thoughts, Sanesh Fernando, Chief Business Officer / GM – Partnership Channel at HNB Assurance, opined, “With NAVI, our intention is to make learning a part of everyday conversations. By combining chat and voice capabilities, we are making it easier for our officers to learn on demand and perform with greater confidence.” He further noted that it is this continuous focus on meaningful innovation that has consistently set HNB Assurance apart within the bancassurance space. “Solutions like NAVI reflect the way we think and operate as a Partnership Channel. This commitment to enabling our partners and bancassurance officers through practical, forward-thinking initiatives has been a key driver in our journey, one that has seen us being recognized as the Best Life Bancassurance Provider for five consecutive years, while also delivering strong and sustained growth year after year.”

Commenting on the launch, Suneth Jayamanne, Chief Information Officer / GM of HNB Assurance, said, “We see NAVI as a support system rather than a piece of technology. Our Bancassurance officers operate in fast-paced environments and having instant access to the right information can make all the difference. NAVI is about helping our people feel more prepared, more confident, and more connected to the knowledge they need to serve customers better.”

The launch of NAVI was marked by an engaging reveal featuring an AI-generated avatar that introduced the digital trainer and its capabilities, symbolizing a shift towards a more intuitive and people-friendly approach to learning.

As HNB Assurance continues to expand its Partnership Channel, innovations such as NAVI highlights the company’s focus on building strong, well-supported partnerships, blending technology with a deep understanding of how people learn, and work.

HNB Assurance PLC (HNBA) is one of the fastest growing Insurance Companies in Sri Lanka with a network of 79 branches. HNBA is a Life Insurance company with a rating of ‘A’ (lka) by Fitch Ratings Lanka for ‘National Insurer Financial Strength Rating’. Following the introduction of the segregation rules by the Insurance Regulator, HNB General Insurance Limited (HNBGI) was created and commenced its operations in January 2015; HNBGI continues to specialize in motor, non-motor and Takaful insurance solutions and is a fully owned subsidiary of HNB Assurance PLC. HNB General Insurance has been assigned a ‘National Insurer Financial Strength Rating’ of ‘A’ (lka) by Fitch Ratings Lanka Limited. HNBA is rated within the Top 100 brands and Top 100 companies in Sri Lanka by LMD and HNB Assurance has won international awards for Brand Excellence, Digital Marketing and HR Excellence including the Great Place To Work® Certification, and won many awards for its Annual Reports at award ceremonies organized by the Institute of Chartered Accountants of Sri Lanka.

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