The Different Ways of Wearing Pearl Jewelry Overview Pearl jewellery is one of the fundamental categories of jewellery available in the market. A natural pearl is created when a foreign substance like a particle of sand gets inside an oyster. This causes the oyster to produce nacre. This nacre is a natural substance and when it covers the grain of sand, a pearl is produced. It is rare to find a pearl which has been formed naturally. These are mostly owned by collectors and curators of natural pearls. This is also one of the reasons why the jewelry industry was revolutionized by pearl farming during the 1920s. Pearl farmers are people who can cultivate pearls naturally. These cultivated pearls tend to be just as high in quality as natural pearls. Pearls are still largely used in making some of the most classic jewellery available in the market.