It is based on the individual and what he/she believes in. A number of persons in Africa are usually religious and believe in one thing or the other and attribute that success or failures to these their beliefs. I wouldn't condemn these because I believe in a divine being to. However, we should learn to draw a line between luck and preparedness. A business owner no matter what how religious he is, if the business owner doesn't apply the principles for success in his business, his/her business would never move forward.