How To Start A Lucrative Cassava Flour Production Business In Nigeria and Africa: The Complete Guide

Cassava is a major staple food crop in Nigeria and Africa, and cassava flour production business is a viable venture that has the potential to generate significant revenue and create employment opportunities. According to the Food and Agriculture Organization (FAO), Nigeria is the largest producer of cassava in the world, with an annual production of about 54 million metric tons, followed by Tanzania, Ghana, and Uganda.

Cassava flour is widely used in the food industry for the production of various food products, such as bread, biscuits, cakes, and snacks, among others. The global demand for cassava flour is increasing due to its nutritional value and gluten-free nature, making it a preferred alternative to wheat flour. The global cassava flour market size was valued at USD 1.03 billion in 2020 and is projected to reach USD 2.61 billion by 2028, growing at a CAGR of 12.1% from 2021 to 2028.

In Nigeria, the cassava flour production business is a potential source of income for small and medium-scale farmers, as it can be produced using simple equipment and technology. According to the National Bureau of Statistics (NBS), the cassava processing industry in Nigeria employs about 5 million people, and the industry has the potential to create more jobs and boost the economy.

Nigeria has a significant export potential for cassava flour, as the country has a comparative advantage in cassava production due to its favorable climate and soil conditions. According to the Nigerian Export Promotion Council (NEPC), cassava flour exports from Nigeria increased from 65,662 metric tons in 2018 to 69,304 metric tons in 2019. The export market for cassava flour is projected to grow in the coming years, providing a lucrative opportunity for cassava flour producers in Nigeria and Africa.

What Is Cassava Flour?

Cassava flour is a type of flour made from the starchy root vegetable cassava (Manihot esculenta). It is a gluten-free alternative to wheat flour and is commonly used in various dishes and products in Nigeria and Africa.

What Is The Cassava Flour Production Business In Nigeria and Africa About?

Cassava flour is a white powdery substance that is derived from cassava roots. The scientific name of cassava is Manihot esculenta. It is a staple food in many countries, including Nigeria and Africa. Cassava flour production business involves processing the cassava roots into flour, which can be used for various purposes, including baking, making of snacks, and as a thickener for soups and stews.

The process of cassava flour production involves peeling, washing, grating, fermentation, drying, and milling the cassava roots. Proper processing techniques are necessary to produce high-quality cassava flour that meets international standards.

Research work has been carried out to improve cassava flour production techniques and increase the yield of cassava crops. These efforts have led to the development of high-yielding cassava varieties and improved processing techniques that have helped to boost cassava flour production in Nigeria and Africa.

Cassava flour production business has enormous potential for growth and export opportunities. Cassava flour is in high demand in the international market due to its gluten-free and low glycemic index properties, which make it suitable for use in various food products. Therefore, investing in cassava flour production business can be a profitable venture in Nigeria and Africa.

Benefits of The Cassava Flour Production Business In Nigeria and Africa

Employment generation: Cassava flour production provides job opportunities for people in various stages of the value chain, including farmers, processors, marketers, and distributors.
Increased income: The cassava value chain creates income for farmers and processors, thus helping to alleviate poverty.
Food security: Cassava is a staple food crop in Nigeria and Africa. Producing cassava flour helps to ensure food security and reduce the dependence on imported wheat flour.
Export opportunities: Nigeria is the largest producer of cassava in the world, and cassava flour has export potential to other countries.
Reduced import dependency: With cassava flour, Nigeria can reduce its dependence on wheat flour imports, thereby saving foreign exchange and boosting local industries.
Improved nutrition: Cassava flour is gluten-free and can be used in producing nutritious foods for people with celiac disease or gluten intolerance.
Lower production cost: Cassava flour is less expensive to produce compared to wheat flour, thus making it more affordable for consumers.
Value addition: Cassava flour production adds value to the cassava crop, leading to higher returns for farmers and processors.
Rural development: Cassava flour production can help to develop rural areas and improve livelihoods.
Diversification of the economy: Investing in cassava flour production diversifies the Nigerian economy beyond oil and gas.
Foreign exchange earnings: Cassava flour exports can generate foreign exchange earnings for the country.
Reduction in post-harvest losses: Cassava has a short shelf life, but processing it into flour helps to reduce post-harvest losses and extend its shelf life.
Utilization of idle land: Cassava flour production encourages the use of idle land, leading to more productive use of resources.
Environmental sustainability: Cassava flour production promotes sustainable agricultural practices, such as crop rotation and intercropping, which help to preserve soil health and reduce environmental degradation.
Technology transfer: Cassava flour production can lead to the transfer of new technologies and best practices in agriculture and agribusiness to farmers and processors.

Health Benefits of Cassava Flour

Gluten-free alternative: Cassava flour is naturally gluten-free, making it a great alternative for those who are intolerant to gluten or have celiac disease.
Promotes digestive health: Cassava flour contains resistant starch which acts as a prebiotic, promoting the growth of beneficial bacteria in the gut.
Good source of fiber: Cassava flour is a good source of dietary fiber which helps regulate digestion, improve blood sugar control, and reduce the risk of chronic diseases such as heart disease, stroke, and type 2 diabetes.
Low glycemic index: Cassava flour has a low glycemic index, meaning it does not cause spikes in blood sugar levels and can help control blood sugar levels in people with diabetes.
Rich in minerals: Cassava flour is rich in essential minerals such as calcium, potassium, magnesium, and iron, which are important for bone health, muscle function, and blood oxygenation.
Boosts immunity: Cassava flour contains antioxidants such as vitamin C and carotenoids which help boost the immune system and protect the body against infections and diseases.
Reduces inflammation: Cassava flour contains anti-inflammatory compounds which help reduce inflammation in the body, which can contribute to the development of chronic diseases.
Promotes heart health: Cassava flour is low in fat and cholesterol, making it a heart-healthy food. It also contains potassium which helps regulate blood pressure.
Improves skin health: Cassava flour contains vitamin C which helps boost collagen production, a protein that is essential for healthy skin.
May help with weight loss: Cassava flour is low in calories and high in fiber, which can help promote weight loss by reducing appetite and promoting feelings of fullness.
Rich in energy: Cassava flour is a rich source of energy due to its high carbohydrate content, making it a good food choice for athletes and those with high energy needs.
Supports brain function: Cassava flour contains thiamine, a B-vitamin that plays a key role in brain function and energy metabolism.
Promotes bone health: Cassava flour contains calcium and magnesium, essential minerals that are important for bone health and preventing osteoporosis.
Helps regulate blood pressure: Cassava flour is a good source of potassium, which helps regulate blood pressure and prevent hypertension.
Anti-cancer properties: Cassava flour contains compounds such as saponins, alkaloids, and phenols which have been shown to have anti-cancer properties and may help prevent the development of cancer cells.

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Business Opportunities In The Cassava Flour Production Business In Nigeria and Africa

Food processing industry: Cassava flour is used as a raw material for the food industry, including snacks, confectionery, bakery, and instant foods.
Export market: Cassava flour has a huge potential for export markets. Nigeria is the world’s largest producer of cassava, and exporting cassava flour can bring in significant foreign exchange.
Animal feed production: Cassava flour is also used as a component in animal feed production.
Biofuel production: Cassava flour can be used as a feedstock for biofuel production, which is a growing industry in Nigeria.
Pharmaceutical industry: Cassava is used to produce various drugs, including anti-malarial drugs and contraceptive pills.
Starch production: Cassava flour is a major source of starch, which is used in various industries such as paper, textile, and pharmaceuticals.
Bakery industry: Cassava flour can be used as a substitute for wheat flour in the bakery industry, especially for people with gluten intolerance.
Snack production: Cassava flour is used as a raw material for snack production, including chips, crackers, and other baked goods.
Confectionery industry: Cassava flour is also used as a raw material for confectionery production, including candies, chocolates, and other sweets.
Instant food industry: Cassava flour is used to produce instant foods such as noodles and other convenience foods.
Biodegradable plastics: Cassava starch can be used as a raw material for the production of biodegradable plastics, which is an eco-friendly alternative to traditional plastics.
Paper production: Cassava starch is used as a raw material for paper production, especially in the production of tissue paper.
Textile industry: Cassava starch is used as a sizing agent in the textile industry, which is used to improve the texture and strength of the fabric.
Bioethanol production: Cassava flour can be used as a feedstock for bioethanol production, which is an alternative source of energy.
Livestock farming: Cassava flour is also used as animal feed in livestock farming, which is a growing industry in Nigeria.

Facts About The Cassava Flour Production Business In Nigeria and Africa

Cassava is the third-largest source of carbohydrates in the world, behind rice and maize.
Nigeria is the largest producer of cassava in the world, with an annual production of over 59 million metric tons.
Cassava is a drought-resistant crop that can grow in marginal soil, making it a viable crop in many regions of Nigeria and Africa.
Cassava can be processed into a wide range of products, including cassava flour, starch, and ethanol.
Cassava flour is a gluten-free alternative to wheat flour, making it an attractive option for people with gluten intolerance or celiac disease.
The global market for cassava flour is growing, with an expected CAGR of 3.2% from 2021-2026.
Cassava flour is a staple in many African countries, including Nigeria, where it is used to make a popular dish called garri.
The production of cassava flour creates job opportunities in both farming and processing.
Cassava processing plants can be established in rural areas, bringing development to otherwise marginalized communities.
Cassava flour production can help reduce post-harvest losses and food waste, as the crop can be stored for long periods of time after harvesting.
The processing of cassava into flour can increase its shelf life, making it easier to transport and sell.
Cassava flour can be used in a variety of industries, including food, paper, and textile manufacturing.
Nigeria’s government has launched several initiatives to promote cassava production and processing, including the Cassava Transformation Agenda and the Presidential Initiative on Cassava.
Cassava is also being used in biofuel production in Nigeria, creating additional revenue streams for farmers and processors.
Cassava farming and processing can contribute to the economic development of rural communities, helping to reduce poverty and improve food security.
Nigeria’s cassava export market is growing, with opportunities to export cassava products to other African countries and beyond.
The use of modern farming techniques and equipment can increase cassava yields and improve production efficiency.
Cassava flour can be blended with other flours to enhance their nutritional value, making it an attractive ingredient for food manufacturers.
Cassava processing can create value-added products, such as cassava chips and flakes, which can be sold at a premium.
The production of cassava flour and other cassava products can help Nigeria and other African countries reduce their dependence on imported food products.
Cassava processing can also create opportunities for women, who are often involved in cassava farming and processing.
Cassava is a versatile crop that can be grown in various regions of Nigeria and Africa, making it an important crop for food security and economic development.
Cassava flour production can also help reduce deforestation, as it can serve as a sustainable alternative to other crops that require more land and water.
The use of modern processing equipment and technologies can improve the quality and consistency of cassava flour, making it more attractive to consumers and manufacturers.
Cassava flour is a low-cost ingredient that can be used in a wide range of food products, making it an important ingredient for food manufacturers in Nigeria and beyond.

Types Of Cassava Flour Production Businesses In Nigeria and Africa

Cassava flour production businesses in Nigeria and Africa can take various forms. Below are some of the types of cassava flour production businesses that can be established:

Small-scale cassava flour production: This involves producing cassava flour on a small scale using simple equipment like graters, hydraulic presses, and flash dryers. The flour can be sold in local markets or used for personal consumption.
Medium-scale cassava flour production: This involves producing cassava flour on a medium scale using more advanced equipment like hammer mills, mechanical presses, and rotary dryers. The flour can be sold to food processing companies or exported to other countries.
Large-scale cassava flour production: This involves producing cassava flour on a large scale using industrial equipment like automatic grinders, hydraulic presses, and continuous dryers. The flour can be sold to large food processing companies or exported to other countries.
Value-added cassava flour production: This involves producing cassava flour that has been fortified with nutrients like vitamins and minerals. This type of flour is in high demand among consumers who are health-conscious.
Organic cassava flour production: This involves producing cassava flour without the use of synthetic fertilizers, pesticides, or genetically modified organisms. Organic cassava flour is in high demand among consumers who are environmentally conscious.
Gluten-free cassava flour production: This involves producing cassava flour that is free from gluten, a protein found in wheat and other grains. This type of flour is in high demand among consumers who have celiac disease or gluten intolerance.
Cassava starch production: This involves producing starch from cassava roots. The starch can be sold to food processing companies or used in the production of adhesives, textiles, and paper.

Establishing any of these types of cassava flour production businesses in Nigeria and Africa requires adequate planning, funding, and knowledge of the market demand for the product. It is important to conduct a feasibility study and market research to determine the viability of the business idea.

Types Of Cassava Flour In Nigeria and Africa

There are different types of cassava flour that can be used for cassava flour production business in Nigeria and Africa. Some of these types include:

Fermented cassava flour: This is cassava flour that has undergone a fermentation process which improves its nutritional profile and digestibility. It is commonly used in West and Central Africa for making traditional foods such as fufu, gari, and akpu.
Unfermented cassava flour: This type of cassava flour is made from fresh cassava roots that have not undergone any fermentation process. It is commonly used in the production of baked goods such as bread, cakes, and pastries.
High-quality cassava flour (HQCF): This is a type of cassava flour that has undergone a specific processing method to improve its quality and reduce its cyanide content. It is commonly used as a partial substitute for wheat flour in the production of bread, noodles, and other baked goods.
Low-quality cassava flour (LQCF): This is cassava flour that is produced using low-quality cassava roots, and it is commonly used in animal feed production.
Sweet cassava flour: This type of cassava flour is made from sweet varieties of cassava, which have lower levels of cyanide compared to bitter varieties. It is commonly used in the production of baked goods and snacks.
Blended cassava flour: This is a mixture of cassava flour and other flours such as wheat flour, corn flour, or rice flour. It is commonly used as a partial substitute for wheat flour in the production of baked goods.

The Peak Season For The Cassava Flour Production Business In Nigeria and Africa

Cassava is a staple crop in Nigeria and Africa, and its flour is a crucial ingredient in many food products. The peak production season for cassava flour in Nigeria and Africa varies depending on the region, but it is typically between October and December. During this time, the cassava roots are mature and ready for harvesting. However, cassava flour production can occur throughout the year as the roots can be stored for several months before processing.

The demand for cassava flour in Nigeria and Africa is high throughout the year due to its diverse uses in the food industry. However, the demand for cassava flour may increase during certain periods, such as during festive seasons, when it is used to make traditional dishes.

Furthermore, the export demand for cassava flour from Nigeria is increasing, with many countries importing cassava flour for various industrial applications. The Nigerian government has encouraged cassava flour exports by offering incentives to exporters and providing funding for the development of export infrastructure.

How To Start The Cassava Flour Production Business In Nigeria and Africa: Step-By-Step Guide

Starting a cassava flour production business in Nigeria and Africa can be a profitable venture, and here is a step-by-step guide:

Conduct Market Research: Conduct market research to understand the demand for cassava flour, who your target market is, and the competition in the industry.
Develop a Business Plan: Create a business plan that outlines the goals, strategies, and financial projections of your cassava flour production business.
Register Your Business: Register your cassava flour production business with the appropriate government agencies and obtain necessary permits and licenses.
Secure Funding: Secure funding for your cassava flour production business through personal savings, loans, or grants.
Secure a Location: Find a suitable location to set up your cassava flour production business. The location should have access to good roads and a regular supply of electricity and water.
Source for Cassava: Source for cassava from farmers or cassava processing companies.
Install Equipment: Install the necessary equipment for your cassava flour production, including grating machines, pressers, dryers, and packaging machines.
Hire Staff: Hire experienced staff who have knowledge of cassava flour production to operate the equipment and manage the day-to-day activities of the business.
Produce Cassava Flour: Process the cassava into flour using the machines installed.
Package and Distribute: Package the cassava flour in different sizes and distribute to wholesalers, retailers, and supermarkets.

How To Process Cassava Flour In Nigeria or Africa

Processing and packaging cassava flour in Nigeria and Africa involves several steps, which are as follows:

Harvesting: The cassava plant is harvested when the roots are mature and ready for processing.
Peeling: The outer layer of the cassava root is peeled off, leaving the white inner flesh.
Grating: The peeled cassava roots are grated into small pieces using a grater or mechanical grinder.
Pressing: The grated cassava is then pressed to remove excess moisture, using a hydraulic press or a mechanical press.
Drying: The pressed cassava is dried to reduce its moisture content, either by sun drying or by using a mechanical dryer.
Milling: The dried cassava is milled into flour using a milling machine.
Sieving: The cassava flour is then sieved to remove any lumps or impurities.
Packaging: The cassava flour is packaged in bags or containers for distribution and sale.

When packaging cassava flour, it is important to use high-quality, food-grade packaging materials to ensure that the flour remains fresh and free from contamination. The packaging should be labeled with the name of the product, date of manufacture, and other relevant information.

Types Of Equipment & Tools Used In The Cassava Flour Production Business In Nigeria or Africa

Starting a cassava flour production business in Nigeria and Africa requires specific equipment for processing, packaging, and distribution. The following is a list of the essential equipment needed for a successful cassava flour production business:

Cassava peeling machine: This machine is used to peel the cassava roots and remove the outer layers.
Cassava grater: The cassava roots are grated using a cassava grater, which shreds them into small pieces for further processing.
Hydraulic press: After grating, the cassava is put into the hydraulic press to extract excess water and obtain a dry floury texture.
Flash dryer: This machine helps to reduce moisture content in the cassava flour to make it ready for packaging and storage.
Sieving machine: To ensure that the flour is free of any impurities, it must be passed through a sieve machine.
Packaging machine: Once the cassava flour has been produced, it needs to be packed for distribution. A packaging machine can make this process efficient.
Weighing scale: The production of cassava flour requires careful measurements of the ingredients. A weighing scale can ensure that the right amount of cassava is used in the production process.
Storage facility: After production, the cassava flour should be stored in a cool, dry, and secure facility to maintain its quality.

These are some of the essential equipment required to start a cassava flour production business in Nigeria and Africa. However, the type of equipment required may vary depending on the scale of the business and the production capacity.

Target Market For The Cassava Flour Production Business In Nigeria or Africa

Food Processing Industries: Cassava flour is a vital ingredient in the food processing industry and is used as a substitute for wheat flour in bread, pasta, and other baked goods. The food processing industry is a significant market for cassava flour in Nigeria and Africa.
Retail Market: The retail market is another significant target market for cassava flour in Nigeria and Africa. Local stores, supermarkets, and open-air markets are ideal places to sell cassava flour. It is an affordable alternative to wheat flour, making it a popular choice among low-income households.
Export Market: There is a growing demand for cassava flour in the international market. Countries like China, Brazil, and Indonesia import cassava flour from Nigeria and Africa. Entrepreneurs in the cassava flour production business can tap into this market by ensuring their product meets the international standard.
Animal Feed Industry: Cassava flour is also used in animal feed production in Nigeria and Africa. It is a nutritious ingredient that provides carbohydrates and minerals to animals. The animal feed industry is a profitable market for cassava flour producers.
Pharmaceutical Industry: Cassava flour has medicinal properties, and it is used to produce drugs that treat diseases such as cancer, diabetes, and hypertension. The pharmaceutical industry is a target market for cassava flour in Nigeria and Africa.

How To Sell or Market Cassava Flour In Nigeria or Africa

Sell to food processing companies: Cassava flour is a versatile ingredient used in various food processing industries, including bakery, confectionery, and pasta. Sell to such companies in bulk.
Sell to local markets: Sell cassava flour to the local markets. This can be done through wholesalers or retailers.
Sell to exporters: Cassava flour is in high demand in the international market, particularly in Europe and the United States. Sell to export companies or traders.
Sell online: Create a website or an e-commerce platform to sell cassava flour online.
Participate in trade fairs: Attend food trade fairs and exhibitions to showcase cassava flour products.
Advertise in local media: Advertise cassava flour products in local newspapers, radio, and television channels.
Use social media: Use social media platforms such as Facebook, Instagram, and Twitter to promote cassava flour products.
Develop a strong brand: Build a strong brand identity that resonates with your target market.
Offer free samples: Offer free samples to potential customers to encourage them to try the product.
Utilize referral marketing: Encourage satisfied customers to refer others to your business.
Use word-of-mouth marketing: Encourage people to talk about your products.
Provide excellent customer service: Ensure that customers are satisfied with the products and services.
Participate in food festivals: Participate in food festivals and events to introduce cassava flour products to potential customers.
Offer promotions: Offer discounts, loyalty programs, or other promotions to encourage customers to buy cassava flour products.
Offer home delivery: Offer home delivery to customers who order cassava flour products online.
Partner with food bloggers: Collaborate with food bloggers to showcase cassava flour products.
Develop recipes: Develop recipes that showcase the versatility of cassava flour.
Offer customized products: Offer customized products to cater to specific customer needs.
Use environmentally friendly packaging: Use eco-friendly packaging to appeal to environmentally conscious consumers.
Participate in social causes: Participate in social causes and events to build a positive brand image.
Build relationships with customers: Build relationships with customers to foster customer loyalty.
Use influencer marketing: Collaborate with influencers to promote cassava flour products.
Utilize email marketing: Send email newsletters to customers to keep them informed about new products and promotions.
Provide educational content: Provide educational content about the benefits and uses of cassava flour.
Offer exceptional quality: Ensure that the cassava flour products are of exceptional quality to attract and retain customers.

Challenges Of The Cassava Flour Production Business In Nigeria and Africa

Seasonal fluctuations in supply and demand: Cassava flour production faces seasonal fluctuations in the supply of raw materials and the demand for finished products, which can impact production and profitability.
Inadequate infrastructure: Poor road networks and inadequate storage facilities can lead to spoilage of cassava roots and finished products, resulting in losses for cassava flour producers.
Limited access to credit: Many cassava flour producers lack access to credit, which makes it difficult to expand operations or invest in new equipment.
Low productivity: Low yields per hectare and outdated processing methods limit the potential for cassava flour production in Nigeria and Africa.
Lack of skilled labor: The shortage of skilled workers in cassava flour production can make it difficult to maintain consistent quality and meet production targets.
High cost of inputs: The high cost of inputs such as fertilizers and pesticides can reduce the profitability of cassava flour production.
Inadequate research and development: Limited investment in research and development has slowed the progress of cassava flour production in Nigeria and Africa.
Dependence on rain-fed agriculture: Most cassava farmers in Nigeria and Africa depend on rain-fed agriculture, which can result in low yields during droughts or floods.
Poor quality control: Inadequate quality control measures can result in substandard products that fail to meet market standards.
Pests and diseases: Cassava crops are vulnerable to pests and diseases, which can lead to reduced yields and quality.
Inefficient supply chain: Inefficient supply chains can lead to delays and high transportation costs, reducing the competitiveness of cassava flour producers.
Lack of market information: Limited access to market information can make it difficult for cassava flour producers to identify market opportunities and make informed decisions.
Limited market outlets: The limited availability of market outlets can make it difficult for cassava flour producers to reach consumers and sell their products.
Competition from imported products: Cassava flour producers in Nigeria and Africa face competition from imported products, which can reduce demand for locally produced flour.
Government policies: Government policies such as import tariffs and subsidies can have a significant impact on the profitability of cassava flour production.
Inadequate infrastructure for processing: Inadequate infrastructure for processing cassava flour can limit the potential for value addition and reduce profitability.
Environmental degradation: Environmental degradation resulting from poor farming practices can reduce the productivity of cassava farms and lead to losses for producers.
Lack of access to technology: Limited access to modern technologies such as mechanized processing and irrigation can limit the potential for cassava flour production.
Political instability: Political instability can disrupt production and distribution of cassava flour, leading to losses for producers.
Limited government support: The limited support from government institutions such as research institutes and extension services can limit the potential for cassava flour production.
Lack of market infrastructure: Inadequate market infrastructure such as storage facilities and market information systems can limit the potential for cassava flour production.
Limited access to export markets: The limited access to export markets can reduce the potential for cassava flour producers to earn foreign exchange.
Lack of access to reliable electricity: The lack of access to reliable electricity can limit the potential for mechanized processing and value addition in cassava flour production.
Lack of business skills: The lack of business skills among cassava flour producers can limit their ability to manage finances, market their products, and grow their businesses.
Limited access to inputs and services: Limited access to inputs such as seeds, fertilizers, and extension services can limit the potential for cassava flour production.

To Sum It Up

The cassava flour production business has great potential in Nigeria and Africa due to the abundance of cassava and its versatility in food processing. The market for cassava flour is steadily growing, driven by the increasing demand for gluten-free, healthier and affordable food options. Starting a cassava flour production business requires careful planning, adequate funding, and access to modern equipment and technology. To succeed in the business, entrepreneurs must strive to maintain high-quality products, consistent supply, and efficient distribution channels.

Furthermore, there is a need for the government to invest more in the development of cassava value chain, including research and development, infrastructure, and policies that promote cassava production and processing. By doing so, it will encourage more private sector investment and create more job opportunities.

In summary, the cassava flour production business has a lot of potentials in Nigeria and Africa, and with the right mindset, entrepreneurial skills, and support, it can be a profitable venture for those who are willing to take the risk.

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