BANZA January 2016 Issue | Seite 48

I began with nothing. With little academic endowment, Mr Maurer worked for many years in hotels. He saw himself doing menial duties such as cleaning and bartending. As the years passed, he rose through the ranks until he became a manager, thanks to his hard work, commitment and attention to detail. During this time, his wife was running a pet business. She operated a tuck shop selling small things like cigarettes, biscuits and candy. This enterprise exhibited potential, only if it operated on a larger scale. Even though his formal job put food on the table, Maurer knew his destiny: to operate his own business. And he was more than ready to begin carving a path towards it. Armed with managerial experience from the hospitality industry, he downed tools and set foot on an unchartered territory—retail. I went through excruciating ordeals, but I was resolute. Realising this idea was not a walk in the park. There was one seemingly insurmountable stumbling block before him. Acquiring seed capital was a headache. He knocked on many doors and all slammed on him; hard hitting rejections. The locus of this challenge that menaced the very existence of his company was that banks and other lending institutions were reluctant to facilitate an unsecured loan in his favour. He had no tangible assets to put forth as collateral for the loan. The land he lived on was in his parents’ name. This is a major stumbling block for a majority of start -ups and they usually fail to get off the ground. At that end, he was utterly convinced that he had reached a cul-de-sac.