Joseph Ojiezele

CEO & Founder
About Us


Gemstone Microfinance is a non-bank agricultural microfinance institution registered
with the corporate affairs commission (RC 1587936). It is a registered member of the
Association of Non-Bank Microfinance Institutions of Nigeria (ANMFIN).

Gemstone Microfinance was established with the primary purpose of providing financing
to small and medium enterprises in the burgeoning agricultural and agro-allied sector.
In its two years of operation, Gemstone Microfinance has provided over N500m in
credits to small businesses in the agribusiness sector across its seventeen (17)
branches in Eleven (11) states and the Federal Capital Territory. The company’s main
focus has been the development of the crop and livestock production, logistics, food
processing, and retail subsectors.

As Nigeria gravitates rapidly towards achieving food security, currently the most visible policy statement of the Central Bank of Nigeria, Gemstone Microfinance pledges to be at the front and center of this growth, lifting as many Nigerians as possible above the poverty line. The company is poised to achieve this feat through its robust agro-financing products.

Our corporate philosophy is preserved in our common goals and is best expressed in our vision and mission statements. It is manifested in our core values. Upon these, our business success has been built.

To build a unique microfinance services organization focused at providing creative solutions to the business problems of Micro, Small & Medium Enterprises in agribusiness.

To provide microfinance services in a professionally unique manner and so create wealth for our customers, employees & shareholders.

Our goal is to be the preferred partner on poverty alleviation schemes both locally and at international levels, driving Responsible Inclusive Finance at the grass roots as well as SME financing to support private sector development.

• Integrity
• Customer Satisfaction
• Reliability
• Team Work

Fun Facts

Facts For Choosing Us

100 k
Happy Clients
250 +
Loan Disbursed
60 +
Savings Accounts
250 +
Management Teams

Get Advice From Our Team

Abigail Effiong

Internal Control Team

Abigail holds a first-class degree in accounting from Evangel University, Ebonyi State. Her commitment to task completion as well as her robust knowledge of accounting has been instrumental to her team’s success.

Egboka Chinonye Jacintha

Internal Control Team

Cynthia, a First-Class graduate of the University of Jos, holds a Bachelor of Science degree in Statistics. She possesses strong analytical skills, has high degree of intelligence, initiative and enthusiasm. She is a key member of the financial data analysis team.

Usman Ummsalma Suleiman

Internal Control Team

Salma holds a second-class upper degree in Business Administration from the Kaduna State University. She is quick to learn, unafraid of challenges, and has been a key member of the Gemstone Microfinance operational audit team since she joined the company.

Ikpe Jude Godwin

Internal Control Team

Jude is a consummate professional with expertise in agribusiness financing. He attended the Federal University Dutsin-Ma, Katsina state where he graduated with a second-class upper degree in Crop Production and Protection.

Aminu Bello

Head of Credit & Risk

Aminu is an energetic, creative and self-motivated professional who has developed a mature and responsible approach to any task that he undertakes.

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.

Tukur Mohammed

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.

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.

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