The Management Team


Mr. Altemius Millinga – Managing Director

Mr. Millinga is an acknowledged microfinance consultant and practitioner who began his career as a credit officer before he co-founded Youth Self Employment Foundation which has now given birth to Yetu Microfinance Bank PLC and has been in-charge since 1998. He holds a Bachelor of Arts in Economics, University of Dar es Salaam and  Master of Science in Policy Economics from the University of Illinois, Urbana-Champain, USA.

Mr.Millinga plays a major role in the development of microfinance and the banking sector in Tanzania and consults for several local and international microfinance institutions, governments and bodies. He has facilitated the establishment of number of banks that include Mkombozi Commercial Bank, Maendeleo Bank, Tanzania Women’s Bank and Mbinga Community Bank. He is currently a member of board of directors of Tanzania Microfinance Association (TAMFI) and a local board member of SWISSAID Tanzania.


Mr. Fadhili Kassim – Operations Manager

Mr. Fadhili joined the bank in 2014 from YOSEFO where he worked for 4 years as Branch Manager. Prior to that, he worked for Presidential National Trust Fund for self-reliance for 11 years (2000-2011) holding various position i.e. from credit officer to Branch Manager. He also worked for ITV for two years as program producer (1999-2000). He participated fully in the the transformation from YOSEFO to Yetu Microfinance Bank PLC

In 2016 he was promoted to Operation Manager to lead operations in the bank. Mr Fadhili holds a Master’s Degree in Business Administration majoring in Marketing 2010, a Bachelor of Arts (Sociology) from University of Dar es Salaam 1999. 


Gikaro 1

Mr. Samwel Gikaro – Finance Manager

Mr. Gikaro is a Certified Public Accountant, CPA (T) and the current finance manager. He joined as a branch accountant with YOSEFO 2013-2014 in which he was incharge of supervising transactions in the MIS (YOSEFO’s Integrated Management Information System). He was later promoted as the Chief Internal Auditor when YOSEFO was transformed to Yetu Microfinance Bank PLC. 

Mr, Gikaro has attended numerous seminars and short courses in-house and outside the country and various trainings prepared by the central bank and other professional bodies. He holds MSc. in Finance and Investment from Coventry University; Bachelor Degree in Accounting and Finance from Mzumbe University.

Patrick Kihwele

Mr. Patrick Kihwele – ICT Manager

Mr. Kihwele joined the bank on July 2014. Before his current position, he worked with Uchumi Commercial Bank as an ICT Manager and Dar es Salaam Commercial Bank (DCB) as an ICT Administrator.

Mr. Kihwele has an experience in Project Management and participated in many ICT related projects in various banking institutions. He has over 10 years in banking Industries. He holds a BSc. in Computer Science and various certifications.


Mrs. Angela Fanuel – Chief Internal Auditor

Angela is a Certified Public Accountant, CPA (T). She joined the bank on April 2017 as Chief Internal Auditor. Prior to that, she worked as an internal auditor for AAR Insurance Tanzania Limited for 3 years. She also worked for 4 years with Mekonsult Ltd as an external auditor.

She holds a Bachelor degree of in Accounting. She is a member of professional boards NBAA,IIA Tanzania and ACFE


Miss. Joyceline Kobero – Company Secretary

Miss Joyceline joined YOSEFO in February 2014 as a company secretary cum HR and later YETU Microfinance PLC in October, 2014 and bank as Company Secretary working under Managing Director’s office. Prior to joining YETU; Joyceline worked with the lawyers Environmental Action Team (LEAT) as legal officer for three years having coming from an NGO that gives legal aid to people living with HIV/AIDS (LASEHA) in the position of legal officer for one year.

She holds a Bachelor of Law from the University of Dar es Salaam 2005; Postgraduate Diploma in Human Resource Management, Institute of Finance Management; Advocate of High Court of Tanzania and a member of Tanganyika Law Society (TLS)


Mr. Gregory Msigala – Senior Banking Operations

Mr. Msigala is a seasoned banker with more than 27 years of experience; He joined the bank on July 2016; Before his current position he worked at different junior, middle and senior management roles with NBC Limited and DCB Commercial Bank PLC in different roles related to Cash Management, Credit Management, Financial control, AML, MIS and banking operations since January 1992. He has successful participated in opening bank branches;

He holds a bachelor degree in business administration from Open University of Tanzania and has attended various banking practices courses training