e nt e r p r ise dev el o pment
Social Responsibi l i t y
Bu s i n e s s me n t o rs h i p
C o o p e rat i ve s on th e r i s e
KHWEBO™ Explains
How can Enterprise
Development help
you.
7
paying it forward
Why is Community
Social Responsibility
your problem?
business secrets
13
Partnering young
entrepreneurs with
experience
9
together you can
Cooperatives – is this
the way forward?
14
being confident in yourself
and in business
PAGE 16
Principles of Effective
incubators
PAGE 8
10
Charles bolton
entrepreneurial
tips and tricks
PAGE 5
www.khwebo.co.za
2
SECTION NAME
SECTION NAME
3
structure
•Experienced
mentors support
aspiring or existing
business owners
•Incubation
process with business mentors and
support.
KHWEBO Business Magazine | 2015
COMMUNITY and
sOCIAL RESPONSIBILITY
PROGRAMMES
1.The Confident
Entrepreneur
2.The Purposeful
Entrepreneur
3.The Connected
Entrepreneur
4.40 Days of
Purposeful Living
Changing mindsets
and forging community
partnerships
•Cloud based
reporting, monitoring and evaluation
system
Where shifts in human
behaviour are activated.
Donald Trump, chairman of
The Trump Organization, the
Trump Plaza Associates, LLC.
tranformation
EMPOWERMENT AND
LEADERSHIP
Enterprise
Development
How your company is
rewarded for supporting
small business
“Watch, listen,
and learn. You
can’t know it all yourself.
Anyone who thinks they
do is destined for mediocrity.” -
BUSINESS
CHAMBERS,
FORUMS & NPO’s
Aligning administration
and governance of business chambers
COOPERATIVE
TRANSFORMATION
Support of established or
aspiring Cooperatives
COMMUNITY
TRANSFORMATION
Transforming mind-sets
from needs based to
asset based .for those
wishing to develop leadership skills in community
development
KHWEBO Business Magazine | 2015
4
OVERVIEW
“I’ve missed
more than
9,000 shots
in my career. I’ve lost
almost 300 games. 26
times I’ve been trusted to
take the game’s winning
shot and missed. I’ve
failed over and over and
over again in my life and
that’s why I succeed.”
- Michael Jordan,
NBA Hall of Famer.
CHARLES BOLTON
GROWING YOUR
BUSINESS
KHWEBO’S™ SUCCESS A
s a Mentorship organisation
Khwebo was conceived in
2011 and was the vision of Charles
Bolton, a serial entrepreneur since
2006 who owned a number of small
businesses for over two decades.
His experience in his own small
businesses gave him insight into the
challenges and opportunities facing
small business so he developed
practical business tools which
he successfully used in his own
businesses. Charles recognised
the need for mentorship when
approached at different stages by
a number of local entrepreneurs
wanting to start their own business,
or existing small businesses
struggling to become sustainable.
It was inevitable that his focus would
move towards mentorship and
supporting the growth of entrepreneurs
and small businesses. Charles was
approached and contracted as mentor
and project manager, by both the
corporate and government sectors,
who focus on Enterprise Development.
The opportunity to develop and deliver
practical business training as well
as to report on progress and results
led to the development of a simple
monitoring and reporting system as a
KHWEBO™ Business Magazine | 2015
5
Charles’s 10
truths about
entrepreneurship:
1. Anybody can be an
entrepreneur.
2. Entrepreneurship can be
taught as a skill.
3. Entrepreneurs must not
expect a regular pay check.
mechanism for clients to evaluate the
training provided.
The Khwebo team consists of
four members, from diverse but
complimentary backgrounds who,
together, have almost 100 years’
experience in business, business
incubation and entrepreneurship;
mentorship and coaching; law;
accounting; information technology;
social entrepreneurship / enterprise,
as well as involvement in the local,
provincial and national chamber
movement. Khwebo is 30% black
owned with all four members locally
based who have a clear understanding
and experience of the local business
landscape. Khwebo is recognised as
a leading Enterprise and Personal
Development service provider
in Rustenburg, the North West,
Mpumalanga and Limpopo.
4. Banks need to realize that
entrepreneurs don’t earn a
regular pay check.
5. Entrepreneurs will always
have fun doing business.
6. We must teach our children
from a young age to be
entrepreneurs. The schools
can’t.
7. Failure is part of the life of an
entrepreneur.
8. Entrepreneurs will see the
opportunity in any situation or
economic climate.
9. Entrepreneurs are optimists at
heart. They need to be!
10. Entrepreneurs don’t see
borders. The world is their
market place.
KHWEBO™ Business Magazine | 2015
6
ENTERPRISE DEVELOPMENT
ENTERPRISE DEVELOPMENT
7
ENTERPRISE
DEVELOPMENT
1
Enterprise Development is one of the ways in which government has approached the creation of an environment in which
business can flourish. With the creation of the B-BBEE scorecard, and the
recent revision thereof, a strong focus on Enterprise Development highlights
the importance of empowering small businesses to become sustainable. It
is a business imperative for business organisations to invest a percentage of
their nett profit after tax into enterprise development. In return for this investment, businesses are awarded points on their scorecard.
2
Khwebo has an incubator and an incubation programme that
is aimed at established and start up entrepreneurs. The incubation programme focuses on developing the human being behind the business to create confident, purposeful and connected entrepreneurs who are
empowered to approach the challenges and opportunities in the business
world, knowing that they are not only contributing to their own financial success, but to the local as well as national economy.
When everything seems to be going against you, remember that the
airplane takes off against the wind, not with it.”
Henry Ford, founder of Ford Motor Company.
To date Khwebo has worked with over 600 entrepreneurs in 4 provinces and
currently supports more than 150 SMME’s on various sponsored Mentorship
and Personal Development Programmes. Khwebo has customised 3 short
personal development courses for entrepreneurs on self-esteem, goal setting
and conflict resolution using the experiential techniques and methodology
developed by the creators of the More to Life Programme.
3
Khwebo’s mentorship programme provides carefully selected
mentors, many of whom are business owners or who have years
of business experience and can offer practical and technical guidance to the
entrepreneurs.
4
KHWEBO™ Business Magazine | 2015
Part of the Incubator is a Business Support Centre offering
administrative, marketing and infrastructure support.
KHWEBO™ Business Magazine | 2015
8
I N C U B AT I O N
MENTORSHIP
9
INCUBATOR
MENTORSHIP
AN OVERVIEW WHat’S INVOLVED “Entrepreneurship is
neither a science nor
an art. It is a practice.”
– Peter Drucker,
management
consultant,
educator,
and author..
Entrepreneurs that complete the 12-month incubation programme will gain
practical knowledge (transferred from experienced mentors), theoretical
and practical skills (obtained through group training) and will then exit the
incubation program able to support themselves and sustain business growth
going forward.
KHWEBO™ Full Impact Incubation ProgramME GOALS:
•
To produce successful, financially viable and freestanding businesses
•
To produce graduates who have the potential to create jobs, revitalize
neighbourhoods, commercialise new technologies and strengthen local
and national economies.
1. Selected candidates complete a Baseline Audit Assessment that enables the mentor to identify specific actions
or tasks that need to be carried out.
2. Areas of serious concern and opportunity are highlighted to ensure they are addressed appropriately by both the
mentor and entrepreneur.
3. Task lists are adapted to suit the entrepreneur. Once the relationship between the mentor and entrepreneur is
established, some of the fundamental problems and challenges will be revealed.
4. The KHWEBO™ CRM system, a cloud-based automated management software programme has been
developed to manage Mentors and Mentorship Projects nationally from a centralised office. The KHWEBO™
CRM system is hosted in Germany on one of the fastest virtual servers available, with 2tb of dedicated server
space.
Local, fully functional business premises projecting
a professional business image are imperative for a
small business to be competitive in the local market
and to build a sustainable business.
Khwebo’s virtual office provides participants in the
incubator programme with:
KHWEBO™ Business Magazine | 2015
•
access to professional infrastructure with a
boardroom, meetings rooms and access to the
internet, fax and copiers
•
a fully functional and staffed office that can
take care all administrative functions
•
exposure and networking with other
entrepreneurs on their level and the opportunity
to become part of the Rustenburg Chamber of
Commerce to meet with other business men
and women from diverse backgrounds and
sectors.
KHWEBO™ Business Magazine | 2015
10
KHWEBO™
Transforming people’s lives, Empowering people, Developing citizens
about us
11
About us
passion is key KHWEBO™ is a young, vibrant and dynamic organisation with a team
that combines almost 100 years of experience in various disciplines.
Coming from different backgrounds and spanning different generations,
we challenge existing paradigms that have unrealistic and unsustainable
outcomes. KHWEBO™ is 30% black owned with strict business ethics and
its main goal is to develop and promote entrepreneurship as a viable career
choice, thus adding to the growth of the economy and creating more jobs.
I’ve been a mentor for
KHWEBO™ for the last
10 years and it’s been
incredibly rewarding
and humbling.
Jaco Fick
KHWEBO’s™ solution based model ensures a definite return on investment
in every transaction or agreement concluded. “If management is about
running the business, then good corporate governance is about seeing that
business is run properly, thus the principle of accountability is very crucial
throughout,“ says Charles Bolton, managing member of KHWEBO™.
The gratitude and growth
of entrepreneurs in the
programme is evocative
and I believe we are making
a difference to both their
personal and business lives.
Anne Trusler
The head office is based in Rustenburg, North West (Platinum and Mining
Capital) along with the NW provincial office and Incubator. Currently
KHWEBO™ operates in Rustenburg, Phokeng and various villages of
the Royal Bafokeng Nation. Khwebo also supports micro-franchise
bakery programmes in informal settlements and squatter camps around
Rustenburg.
Khwebo is also in the process of opening four new provincial support offices
in Randfontein, Mokopane, Emalahleni and Nelspruit to support mentors
and clients in and around these areas. These offices will be developed to
provide full incubation services to SMMEs including virtual office space,
back office administration services, start-up assistance, business plan
development, CIPC, COIDA and SARS services, infrastructure (printing,
internet, meeting rooms etc) with personal development and business skills
training and workshops.
Khwebo’s success is evident in the success of many of the small
businesses that have completed the incubation programme.
KHWEBO™ Business Magazine | 2015
I had a dream to empower
entrepreneurs and to create
sustainable communities.
I am proud to be part of
the Khwebo team, living
my dream. To mentor
others promotes personal
growth and so I am not only
empowering others, but
myself at the same time.
Mogomotsi Letlape
Our innovative new cloud
based mentorship programme
means that we are on top of
the mentorship programme
in all the Provinces.
Charles Bolton
KHWEBO™ Business Magazine | 2015
12
COMMUNITY
CSR
13
COMMUNITY S OC I AL
RESPONSIBILTY
B
eing Socially Responsible means that
people and organisations must behave
ethically and with sensitivity toward social,
cultural, economic and environmental issues
– the so-called Triple Bottom Line of People,
Planet and Profit.
State owned Enterprises such as the IDC
have special units that focus on identifying
social entrepreneurs and innovators that
have bankable business ideas and initiatives
that will create jobs and impact on the social
landscape. Mechanisms are put in place to
support these people and organisations, to
implement the initiatives so that sustainable
business development becomes a joint
venture or public-private-partnership to create
a better life for all.
Transforming mind-set from a needs-based to
asset-based approach using the Asset Based
Community Development (ABCD) approach
forms one of the cornerstones of Khwebo’s
community transformation programmes.
ABCD is a methodology that uncovers and
draws on existing strengths within individuals
and communities as the building blocks for
sustainable community development.
ABCD reveals skills, experiences and other
assets – whether human, social, physical,
environmental and financial assets available
in the community.
KHWEBO™ Business Magazine | 2015
“I am of
the opinion
that my life
belongs to
the whole community
and as long as I live,
it is my privilege to do
for it whatever I can. I
want to be thoroughly
used up when I die,
for the harder I work
the more I live.” –
George Bernard Shaw
Anne Trusler
As an attorney, social entrepreneur,
mentor with the More to Life Programme
and an ABCD practitioner, Anne has been
instrumental in incorporating the More to Life
experiential personal development courses
into the incubation programme to support
personal mastery and develop leadership
qualities in entrepreneurs.
Anne is on the National Kairos Foundation
South Africa board, is the National Mentor
Coordinator of the More to Life Programme
and on the International Design and Align
Team (DAT) of the programme that is
currently repositioning the programme
around to world to align with the current
reality of each country and its people.
KHWEBO™ Business Magazine | 2015
14
C O O P E R AT I V E S
chambers and npo s
COOPERATIVES
–––––––––––––––––––
With an 80% failure rate with cooperatives, Khwebo realised that it was
imperative to develop a Cooperative business model that incorporates
the elements of successful South African cooperatives developed in the
country for decades.
Mama Mimi’s Bakery and Pizzeria
is an ideal “Business in a Box” for
rural areas. Khwebo is the North
West Provincial Service Provider.
Acknowledgement by the National Small Business Development
department that a new approach is required encouraged Khwebo, in
partnership with the Royal Bafokeng Enterprise Development department
to pilot a micro-franchise bakery model with cooperatives in 6 villages of
the Royal Bafokeng Nation. Linking this to the DTI Cooperative Incentive
Grant scheme creates a public-private-partnership and has attracted a
number of business organisations to support the ongoing development of
more Cooperatives using the Mama Mimi’s bakery model.
KHWEBO’S COOPERATIVE
DEVELOPMENT GOALS:
•
•
To identify a common business, product or service and to create a
cooperative/s which has a simple structure and business model that
supports both the individual and the group;
To partner both the private and public sector to promote
cooperatives as an alternative to entrepreneurship and SMME’s
because it allows for the inclusion of disenfranchised groups of
people including the youth women, the disabled, aged, unemployed
and those labelled “unemployable and/or unbankable” by society
•
To provide an incubation programme that supports individuals and
the group to access the personal and business development skills
required to create an open, accountable and sustainable business
•
To access grants and other funds to support groups of people to
establish and register cooperatives and to become compliant and
also to understand simple corporate governance elements in order
to operate within the laws of the county.
•
Khwebo believes that anyone who has the willingness to work in a
group where complimentary skills can be used to create a common
goal, will be successful if there is an empowering environment in
which to do business.
KHWEBO™ Business Magazine | 2015
15
CHAMBERS
AND NPOs CHAMBERS
South Africa’s national, regional and local business associations, chambers
and foundations all work to promote growth and investment; a stable socioeconomic and political environment; and to build new enterprises forging
stronger links between the countries business communities.
With over 25 years of experience in local and provincial business chambers
and forums, as well as the mobilisation and creation of new business
chambers in Rustenburg, Khwebo currently runs the back office of both the
Rustenburg Chamber of Commerce as well as the North West Business
Forum.
Khwebo recognises the advantages that a strong chamber movement plays
in all sectors of the community and believes that if business men and women
come together with a common platform, vision and voice, it can revolutionise
a community in a peaceful way. R-evolution = Fast evolution. All it requires
is for a strong leadership to set direction, and for the active participation of
businesses to drive and implement the vision!
NPO’s
The Marikana tragedy in 2012 highlighted the fact that social and labour
unrest can paralyse business and government, and the strikes in the mining
industry in Rustenburg from January to June 2014 had a huge impact on
every citizen and business in Rustenburg.
Khwebo proudly partnered with one of the Non-Profit Organisations who
worked tirelessly through the strikes to support people living in informal
settlements and squatter camps. The Tsholofelo Community provides adult
basic education and training (ABET), various skills training as well as early
childhood development support at five centres around Rustenburg.
Khwebo was appointed by an Irish Development Agency, Misean Cara, to
do a turn-around strategy for Tsholofelo Community including a Succession
Plan for the non-profit organisation.
Khwebo works closely with Digital Africa, an NPO that can also provide a
section 18A tax certificate and focuses on making a difference in the lives
of individuals and communities that do not qualify to access Enterprise
Development Spend and is competing with many other organisations for
CSR / CSI or SED spend.
KHWEBO™ Business Magazine | 2015
T R A N S F O R M AT I O N
T R A N S F O R M AT I O N
16
TRANSFORMATION,
empowerment
& leadership
————————————————— –––––––– ––––
1. The Confident Entrepreneur
Personal development through experiential learning
of concepts, techniques and tools to develop
confident entrepreneurs
Purpose and Objectives
Course Purpose:
•
To experientially learn tools and skills that enhance your own self-esteem,
•
To awaken self-esteem in others and expand your ability to respond
•
To the challenges of being an entrepreneur.
Objectives:
1. To expand your self-awareness by discovering your unique deeply-rooted
system of beliefs that have unconsciously defined you
2. To be empowered with skills and tools to uncover and overcome selfdeception that is debilitating and unproductive – tools that become an
integral part of your skills set
3. To deepen your confidence and transform the way you express yourself in
the world by learning how to take responsibility for your state of being and
improving your ability to respond to people and situations
17
2. The PURPOSEFUL Entrepreneur
Empowering the Confident
Entrepreneur to achieve concrete,
measurable and time-based results.
Purpose and Objectives
Course Purpose:
•
To awaken and empower you to identify and
claim your personal purposes, purposes for your
business and your purposes in life;
•
To assist you to claim the unbridled energy that
flows from a life purposefully lived.
Objectives:
1. Master the key tools to overcome what limits
you and key tools that enhance your capacity to
achieve the results you aim for
2. Learn how to get on purpose and stay on purpose
no matter what Life may throw at that you or what
you did not expect or ask for
3. Discover new ways to express your deepest
purposes and how to bring you to permeate
ordinary everyday tasks
4. Increase your resilience by enhancing your
abilities to turn problems into opportunities and
challenges into solutions
5. Get skilled at knowing how not to get caught up in
stressful driven-ness but to generate creative and
innovative responses to the situation
6. Learn how to access your powerful determination
that nourishes you rather than burns you out and
to know the difference between these two drivers
3. The CONNECTED Entrepreneur
Developing skills to resolve
conflict to transform the quality
of business and customers
relationships
Purpose and Objectives
Course Purpose:
•
To equip you to be your best in, and get the best
from, all your relationships while developing
your ability to experience and claim the life
transformational power of connection..
Objectives:
1. Understand and experience the life and the lifegiving nature of connection
2. Illuminate the part you play in the quality of your
connections and relationships
3. Understand and identify how relationships, and
their challenges, offer possibilities for growth,
creativity and connection
4. Recognise and dis-empower the impact of limiting
beliefs, judgements and demands towards
yourself and others
5. Develop your ability to be more honest, authentic,
empathetic and appreciative
4. Become freed from the events of your life that you believe are responsible
for your limitations as an entrepreneur by learning about the role of the mind
and emotions in creating your personal realities
6. Be able to explore issues, resolve conflicts, and
address upsets, and create new possibilities for
your relationships
5. Impact the bigger context of your ‘higher selves’ with your increased ability
to awaken self-esteem in others, offering guidance to customers, partners,
colleagues, friends and family.
7. Be able to bring a life-giving attitude and spirit to
all of your relationships
KHWEBO™ Business Magazine | 2015
KHWEBO™ Business Magazine | 2015
18
CLIENTS
PROJECTS
WHO WE ARE
WORKING WITH
PRIVATE AND SPONSORED PROJECTS
Anglo American Zimele - NorthWest, Limpopo & Mpumalanga
Mentorship Programme
KHWEBO™ is currently under a
three year contract to provide Small
Business Mentorship on behalf
of Anglo American to SMME’s
funded through all 22 the Anglo
American Zimele Community
Fund Hubs based in the NorthWest, Mpumalanga and Limpopo
Provinces. This also includes all
companies funded through the Anglo
American Supply Chain, Mining,
Green and Sebenza funds.
National Empowerment Fund N.E.F. North West
KHWEBO™ provides due diligence /
compliance assessments; feasibility
studies business plan reviews as
well as mentorship services to
clients supported by the National
Empowerment Fund North West
Provincial Offices.
Aquarius Platinum - Supply Chain
Development Programme
Tsholofelo Community
KHWEBO™ Business Magazine | 2015
19
25 entrepreneurs from Ikemeleng;
(Potemfi – Photsaneng, Thekwana
and Mfidikwe) and K6 communities
of Ramochana, Sunrise Park and
Mpho Khunou were identified to
undergo the training programme
in order to equip them to become
part of the supply chain of Aquarius.
Making their businesses compliant
with all legal requirements and
to have the necessary business
skills to become part of any supply
chain in the mining industry gives
these entrepreneurs a competitive
advantage.
identified as the business venture
because of the ovens were woodfired and the business model
simple enough for anyone who was
interested in creating a business to
operate.
KHWEBO™ Consulting (Pty) Ltd
Aquarius Platinum - KHWEBO™
Asset Based Community
Development Project
Khwebo recognised the need to
support the provincial business
forum and to partner local business
leaders in the creation of a new
business chamber in Rustenburg.
Khwebo set up a new division
providing the back office and
consulting to chambers and
forums as well as organisations
operating in the social enterprise
or non-profit sector. Services that
Khwebo offer includes fundraising,
database management, membership
drives, financial and administrative
management, marketing and event
planning in focused areas.
Royal Bafokeng Enterprise
Development - Co-operative
Development Program
The focus of RBED is the
empowerment of entrepreneurs
within the nation.
Cooperatives were identified as a
vehicle to engage with groups of
disenfranchised individuals including
unemployed women, youth, disabled
and elderly. The Mama Mimi’s
micro-franchise bakery model was
Asset-based and Citizen-driven
development is an approach that
recognizes the strengths, gifts,
talents and resources of individuals
and communities, and helps
communities to mobilize and build on
these for sustainable development.
Mama Mimi’s Micro Franchise
Bakery
The Mama Mimi’s Micro-Franchise
Bakery (Business in a Box) is a
versatile business concept which
can be adapted for multiple business
models. Khwebo has piloted the
following in rural villages, informal
settlements and squatter camps, as
ED and CSR projects:
1. A cooperative model where
each member of the cooperative
has their own oven and own
markets, but contributes to the
cooperative collective to enable
bulk buying and profit sharing;
2. A skills development model
where an oven and the training
becomes part of a skills
KHWEBO™ Business Magazine | 2015
20
Projects contd.
development micro-enterprise
within a skills development
centre which teaches basic
numeracy and literacy and
where the products are sold to
generate an income for the skills
development centre;
3. An Early Childhood
Development (ECD) model
where the oven is used to
generate an income as well as
feed children at the ECD centre
4. A cellular model with 30 ovens
creating 60 jobs with a dedicated
distributor within a geographical
area.
Personal Development for
Entrepreneurs
A vision to empower entrepreneurs
with personal development skills
to support the success of the
business in a challenging business
environment saw 3 short courses
being tailor made for entrepreneurs
in partnership with the More to
Life Programme. The Confident
Entrepreneur deals with self-esteem;
the Purposeful Entrepreneur with
Goal Setting and the Connected
Entrepreneur with a new and
innovative way to handle stressful
situations and to avoid conflict.
C ontacts
Khwebo Mandela Day Initiative –
Mpho Khunou
Khwebo enrolled other businesses
such as Standard Bank, Phillips
Industries and members of the
Rustenburg Sakekamer to prettify
the early childhood learning centre
in Mpho Khunou as volunteers to
support the Nelson Mandela “67
minutes” campaign. This centre has
ECD educators who have undergone
the Brain Boosters training
programme, funded by International
Donors, and provides ECD support
to over 150 children ranging from a
few months to 7 or 8 years. Khwebo
believes that creating a beautiful
environment in which children are
cared for during the day will create
better adults in future.
Tsholofelo Community NPO/PBO
Tsholofelo Community NPO
was established 16 years ago in
Phokeng as a vehicle to deliver
health and skills training services to
indigenous people and families in
informal settlements and squatter
camps. Migrant workers flock to
Rustenburg looking for employment
and many of them start families
in these areas. Employment for
women is almost non-existent and
access to basic services such as
health care is difficult. Skills training
includes carpentry, welding, brick
laying and other hard skills, as
well as knitting, sewing, computer
and gardening skills. Tsholofelo
operates in Phokeng, Boitekong;
Mpho Khunou, a settlement currently
being formalised, Ikemeleng and
Siza a squatter camp directly behind
Lonmin mines. Tsholofelo was one
of the few organisations that worked
tirelessly through the strikes in 2014
to support the children and people in
the centres.
KHWEBO Business Magazine | 2015
Contact
HEAD OFFICE
223 Beyers Naude Drive
Rustenburg
North West
South Africa
0300
Tel: 087 802 5682
(Office hours Monday to Friday 07h30 -16h30
(except public holidays)
Fax: 086 601 0704
Cell: 082 443 9820
Email: info@khwebo.co.za
Misean Cara
Misean Cara, a development aid
organisation in Ireland, funded by
the Irish Government supported
Tsholofelo Community NPO during
2014. They appointed Khwebo to
facilitate a Turn-around Strategy
and Succession Planning process
in 2014 together with Centurion
Academy. This strategic is currently
being implemented.
21
www.khwebo.co.za
Khwebo Mandela Day Initiative
KHWEBO Business Magazine | 2015