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A man in a red and black collared t-shirt stands next to shelves full of jars of spicy food.

"It affects my personal life, but I have to, because I invested that much money [in the business],"
he said.

A man in a red and black collared t-shirt arranges packets of beans on a shelf, in an aisle full of decorations for sale.

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The entrance to an Indian grocery with shelves full of food products, and yellow, red and green decorations.

"They might have to be working longer hours to achieve break-even profitability level or a break-even amount of revenue to service their loans."

A woman in a white t-shirt and green apron stands with a hand on a table, with a kitchen in the background.

"The turnover is so big now. Someone pays a dollar more, and they will go,"
Ms Tse said.

A portrait of a woman wearing a black, white spotted shirt.

"So rising cost of living and other barriers would be something that they can actually deal with."

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