I come from a business background and my father owned a small Rice Processing Plant in Central India. At its best, it was one of the best and hugely profitable Rice Mill in the Region running with a huge monopoly. But slowly and gradually the Rice Mill began to run into losses and by the time I finished my schooling, it was on the verge of bankruptcy and closed down. My Father told me, “Vinay tum ko jo karna hai ab khud se karna hoga”. It was extremely difficult for me to believe it since it was once a hugely profitable business running well.Listening to discussions at home amongst my Parents and my Father and his partners, I understood that non-recovery of dues and delayed payments were the biggest reason behind the downfall and closure of once a very profitable business.