Ms. Joyce E Temu is a co – founder and Chief Eecutive Officer of GSS Consulting Company Ltd. She has 25 years’ experience in in managing Microfinance Institution – Vision Fund Tanzania a Microfinance Bank Ltd. Her expertise includes general corporate management, project planning and management, grant management, human resources development and management, organization development and corporate governance. She also has skills in microfinance lending methodologies such as group and individual lending, SMEs lending, the missing middle lending, and rural financing. She successfully completed her services as the Deputy CEO of Vision Fund Tanzania Microfinance Bank in 2019 and founded GSS Consulting Co Ltd thereafter. For the last four years Joyce has done several management consulting assignments in organization development specifically on human resource management and development as well as on Governance for medium sized private enterprises. Joyce Temu has a certificate in Strategic Leadership on Inclusive Finance- from Harvard Business School- Boston USA, Masters’ degree in Business Administration from Eastern and Southern Africa Management Institute ESAMI- Arusha and an Advanced Diploma in Cooperatives from Moshi Cooperative University.