Hi there, Doc....Playing as Sam: If you solved the prayer wheels, or "grinder" puzzle, in the Temple and got the green lens and put it in the head of the cat statue and got the new coordinates, you should be able to go back to the original island where Hannah came down in her pod, and meet the man coming out of his house. He should give you some information about exchanging oil for pearl, "I am to offer you precious oil in return for pearls. One unit of oil for one pearl."
No problem at all in having to use a walkthrough, at least from time to time, in play SCHIZM. Its a very difficult game.
You might also check out Soren Anderson's SCHIZM walkthrough,
if you haven't already. It might help you fill in the blanks and expand your perspective a bit.
Love, Witchen =O)