Team Members

Team Members

Joseph Ojiezele

Chief Executive Officer

Joseph is the founder and Chief Executive Officer of Gemstone Microfinance. He has led the organization since it was established in May 2019 to extend over N500 Million in credit facilities to individuals and SMEs in the thriving agricultural sector.

Joseph, an alumnus of the University of Louisiana at Lafayette, United States, holds an M.Sc. degree in Petroleum Engineering with Distinction.

He was also the Best Graduating Student of the Department of Electronic and Electrical Engineering at the University of Sunderland, England, United Kingdom, where he bagged a B.Sc. degree with a first class.

With over 15 years unparalleled global experience in the agriculture, engineering, and finance industries, he has garnered deep expertise, exposure and the skill-set needed to steer the ship of a financial institution. He is a consummate financial management professional with extensive foreign and local exposure. His wealth of knowledge continues to prove strategic and invaluable for Gemstone Microfinance.

Tukur Mohammed Abba

General Manager

Tukur is a foundation staff and currently the general manager of Gemstone Microfinance. He is a results-oriented Microfinance expert with over twelve (12) years of progressive experience covering every facet of microfinancing across several microfinance institutions.

Having undergone the rudiments of Microfinance Operations from his early days at Hududullah Microfinance, Tukur cut his teeth in small and medium enterprises’ financing as the years progressed. His expertise and leadership have been front and center in the rapid growth recorded by Gemstone Microfinance over the past two years.

Tukur is a Kings College Lagos old boy, and an alumnus of the Federal University of Technology Yola, where he bagged a B.Sc. degree in Economics. He is a member of the Chartered Institute of Loan and Risk management of Nigeria, and has attended several professional courses covering Frontline leadership, Lending in an Uncertain Economy, Loan portfolio Development, Credit Portfolio Management, and Customer Service Excellence just to name a few.

Ajayi Paul Femi

Group Head of Operations

Femi is a distinguished professional and currently the Group Head of Operations of Gemstone Microfinance. He brings to the table a vast experience spanning over eleven (11) years and cutting across Commercial and Microfinance Banks.

Femi started his banking career with FirstBank Nigeria Limited in December 2008, where he quickly developed a passion for banking. Having gained in-depth operational experience in the areas of Customer Service, Cash Administration, Accounts & Clearing and Area Operations, he joined Microvis Microfinance Bank in 2017 as a Business Support manager, where he rose to become the Head of operations for the Bank within the same year for his outstanding achievements.

He holds a Diploma in Public Administration from Nuhu Bamalli Polytechnic, Zaria as well as B.Sc. in Public Administration from the University of Abuja. He is a member of the Chartered Institute of Bankers of Nigeria (CIBN) – MCP

Femi joined Gemstone Microfinance in November 2019 as group head of operations. His deep knowledge of banking operations has revolutionized the company’s mode of operations.

Yusuf Misitura Morenike

Head of Risk and Marketing

Misitura is a creative and self-motivated young lady, who has developed a mature and responsible approach to any task that she uptakes. She has experience in loans, marketing, portfolio management and recovery, which has carved a niche for her in the field of Risk and Marketing management.

She joined Gemstone in June 2020 as a Branch Manager, Kaduna Branch. For her outstanding performance, she rose quickly to be the Head of Risk and Marketing after a few months of on the job.

Misitura was the best graduating student of the Department of English at Umaru Musa Yar’adua University Katsina, where she had her Bachelor of Arts Degree in English. She has attended a few professional courses on loan portfolio Management and Marketing Strategies.

Internal Control Team

Kuforoji Naomi

Naomi is a pioneer staff of gemstone microfinance and has been a key player in the internal control team. Her profound knowledge of the internal workings of gemstone’s operations has proven to be instrumental to her team’s immense success. She is a first-class graduate of business administration and holds a master’s degree in business management from the University of Hull, England

Isaiah Jock Timothy

Isaiah’s outstanding analytical abilities has seen him excel at every operational task, including most recently internal control. He has quickly transitioned into one of the more reliable member of the internal control team. Isaiah is a graduate of industrial chemistry (second class upper) from Kaduna state University.

Okoro Gift

Gift is a distinction graduate from Federal Co-oporative College. Her intuitive thinking has been beneficial to the smooth everyday operations of her team.gland

Business Development

Gift Douglas

Gift is a second-class upper graduate of Microbiology from the University of Mkar. Her unique analytical and forecasting skills makes her a key member of the business development team.


Augustine Aniagu

Augustine is a versatile professional with vast experience in marketing, Loan portfolio, and business development. He holds a higher national diploma and a post graduate diploma in mass communication from the federal polytechnic, Kaduna and the Kaduna state university repectively

Abigail Adebayo

Abigail holds a second class upper degree in international relations from landmark university and a master’s degree from Nigerian Defense Academy. She is an enterprising individual, quick to learn and has carved a niche for herself in the field of business development.

Aminu Bello

Aminu is a seasoned professional with over a decade’s experience in micro financing operations. He has been an invaluable staff since 2019 when hejoined in. Aminu holds a PGD in management from the Nigerian Defense Academy post. Graduate school. His vast Handson experience in loans, Marketing, portfolio management, business development, credit & risk and management, and recovery has seen him excel in the field of risk management.

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