Hugh Cunningham is as passionate about customer service and product assortment as he is about medicine. As the co-owner of The Local Choice Pharmacy Harmelia, Hugh focuses on business management, while his wife and co-founder Yolandi ensures the dispensary runs smoothly.  On episode 4 of The Finance Ghost Plugged in with Capitec, Hugh shares excellent insights on specialist retail and how pharmacies really work. Episode 4 covers: Why separation of duties and having a clear decision-maker is critical The importance of doing proper financial analytics in any business How pharmacies make money and the differences between independent and corporate pharmacy models The benefits of being part of a franchise network The future of the pharmacy industry and how independent pharmacies can stay competitive  

With a background in law and economics, Obaratile (OB) Semenya’s approach to property includes exposure at practically every part of the value chain. From developing high-end residential projects through Legaro Property Development to driving sales at his real estate agency, Natural Property, he’s mastered the full property journey. And with extensive experience working closely with Balwin, OB also knows his way around the biggest developments around. On episode 3 of The Finance Ghost Plugged in with Capitec, he talks about building the world he wants to see around him, all while ‘nerding out’ on the business and sector he loves most. Episode 3 covers: The risks and rewards of the property sector Lessons from working across the full value chain Insights from balancing development and real estate sales Why passion for what you do often makes the rest fall into place

Rabia Ghoor, founder of swiitchbeauty® and winner of multiple awards, is one of South Africa’s most celebrated young entrepreneurs thanks to her fascinating backstory of starting the business at the age of 14 and dropping out of high school shortly thereafter. But in the decade or so since then, Rabia has built a powerhouse of an eCommerce business – a business that deserves the limelight beyond its founder. On episode 2 of The Finance Ghost plugged in with Capitec, we gave the business lessons from the journey building swiitchbeauty® just as much attention as Rabia’s story. Episode 2 covers: The entrepreneurial DNA in Rabia’s family and how an upbringing surrounded by the hustle contributed to her brave and unusual decision in high school. The initial innovation that sparked the business, namely the use of Instagram and other social media channels in a way that traditional competitors weren’t doing. The value of building an authentic online community over a long period and using that as the foundation for a brand. Curating a product range over time and developing key differentiators, with the importance of ‘just starting’ without necessarily knowing all the future answers. The advantage of building a business on a foundation of low personal overhead and responsible risk-taking. Advice for businesses on how to get the most out of social media. The biggest mistake made along the way.

Makomborero Mutezo, founder of TheHungryMute and winner of the Capitec Rising Star award, is in the early stages of building a food design empire. With a mix of culinary and design skills, plus a curious mind, he shares delicious insights in episode 1 of The Finance Ghost plugged in with Capitec. Major points covered include: The backstory to the business - how travel to Germany inspired a love of food design and connecting cultures. The critical importance for entrepreneurs of being curious about the world around you. How a combination of skills can create a unique business, but makes it more difficult to scale. The long-term value of bootstrapping a business. The biggest (and most expensive) mistake made along the way. How family support makes such a difference to the process. The Finance Ghost plugged in with Capitec is made possible by the support of Capitec Business. All the entrepreneurs featured on this podcast are clients of Capitec. Capitec is an authorised Financial Services Provider, FSP number 46669.