An Excel-Based Decision Support Model for Pawn Broking Businesses: A Case Study in Sri Lanka

Abstract: Pawn broking is one of the oldest and most stable financial services in Sri Lanka, offering short-term, collateral-backed credit primarily against gold jewellery. Despite its resilience, the sector faces growing uncertainty driven by fluctuations in gold prices, changing interest rate environments, and inconsistent repayment behaviours. These factors increase operational risk and make accurate forecasting difficult, especially for small and medium pawn-broking businesses that rely heavily on manual or semi-digital systems. This study introduces an Excel-based Decision Support Model (DSM) designed to simulate loan portfolio behaviour, assess exposure to price and rate volatility, and support more systematic decision-making. By integrating automated calculations, scenario analysis, and risk visualization tools, the DSM enhances the ability of pawn brokers to anticipate financial outcomes. Keywords: Pawn broking, Decision Support System, Gold price volatility, Interest rate risk, Excel modelling. Title: An Excel-Based Decision Support Model for Pawn Broking Businesses: A Case Study in Sri Lanka Author: N.D.Gunasekara, M.A.C.N.Perera International Journal of Computer Science and Information Technology Research ISSN 2348-1196 (print), ISSN 2348-120X (online) Vol. 13, Issue 4, October 2025 - December 2025 Page No: 31-40 Research Publish Journals Website: www.researchpublish.com Published Date: 13-December-2025 DOI: https://doi.org/10.5281/zenodo.17922799 Paper Download Link (Source) https://www.researchpublish.com/papers/an-excel-based-decision-support-model-for-pawn-broking-businesses-a-case-study-in-sri-lanka