JOSEPH F. NGOWI

Chief Accountant – MRT SACCOS LTD

Joseph F. Ngowi is an accomplished accounting and finance professional with extensive experience in accounting, auditing, financial management, compliance, and cooperative financial operations. He currently serves as the Chief Accountant of MRT SACCOS LTD, a position he assumed in March 2026 following his demonstrated commitment, professional competence, and strong performance in the organization.

Joseph joined MRT SACCOS LTD in June 2022 as an Assistant Accountant, where he played an important role in supporting the organization's accounting and financial management functions. Through his dedication, accuracy, integrity, and consistent performance, he progressively demonstrated the capacity to take on greater responsibilities, leading to his appointment as Chief Accountant.

Before joining MRT SACCOS LTD, Joseph built a strong professional foundation through several years of experience in accounting and auditing. He served with the Co-operative Auditing and Supervision Corporation (COASCO), Kilimanjaro, where he worked as an Assistant Auditor Officer. In this role, he was involved in planning and conducting audits of cooperative societies and other organizations, preparing financial statements, bank reconciliations and accounting records, reviewing internal controls, providing accounting and taxation advisory services, and presenting audit findings and financial reports to Boards and Annual General Meetings.

His earlier professional experience also includes working with the Tanzania Revenue Authority (TRA), Ilala Tax Region, as a Revenue Officer, where he gained practical exposure to taxpayer registration, financial statement examination, tax assessment, and taxpayer verification. He also served as an Assistant Accounting Officer at Tanzania Youth and Dignity (TAYODI), where he was involved in project budgeting, financial planning, accounting records, and financial reporting.

Academically, Joseph holds a Bachelor of Commerce in Accounting (BOCA) from the University of Dar es Salaam Business School (UDBS), completed between 2011 and 2014. His academic training provided a broad foundation in financial accounting, auditing and assurance, taxation, business finance, corporate governance, economics, business law, and information systems. He has also pursued professional accounting development through the National Board of Accountants and Auditors (NBAA), where he is registered at the Intermediate Level.

Throughout his career, Joseph has developed competencies in financial management, auditing, managerial accounting, strategic planning, management information systems, budgeting, financial reporting, monitoring and evaluation, and business communication. He is also experienced in the use of Microsoft Office applications, including Excel, Word and PowerPoint, which support his analytical, reporting, and financial management responsibilities.

As Chief Accountant at MRT SACCOS LTD, Joseph is committed to promoting sound financial management, accountability, transparency, effective financial reporting, and strong internal financial controls. His professional approach is anchored in integrity, accuracy, teamwork, continuous learning, and results-oriented leadership.

With a career that combines accounting, auditing, taxation, cooperative sector experience, and financial management, Joseph brings to MRT SACCOS LTD a valuable blend of technical expertise and practical experience. His professional journey reflects a continued commitment to learning, leadership, and contributing to the sustainable growth and financial strength of the organization.

VICTOR BASIL AKARRO

Credit Manager | Moshi Rural Teachers’ SACCOS Ltd (MRT SACCOS)

Victor Basil Akarro is an accomplished Credit Manager and Microfinance Specialist with over 15 years of progressive experience in credit administration, loan portfolio management, credit risk oversight, microfinance operations, and cooperative financial services. He combines strategic leadership with practical expertise in developing sustainable credit systems, strengthening financial service delivery, and supporting the growth of cooperative financial institutions.

Victor holds a Master of Business Administration in Corporate Management (MBA-CM) from Mzumbe University, complemented by extensive professional experience in credit management, microfinance, and cooperative financial governance. His academic background and practical expertise have enabled him to effectively bridge strategic financial management with the day-to-day realities of serving members and expanding access to responsible financial services.

His professional journey also includes academic experience at Moshi Co-operative University (MoCU), where he served as a Tutorial Assistant in 2010. This experience strengthened his analytical, communication, training, and knowledge-sharing capabilities, while reinforcing his passion for applying financial knowledge to create meaningful economic impact.

Victor has been a dedicated member of the Moshi Rural Teachers’ SACCOS Ltd (MRT SACCOS) team, serving as Credit Manager since 2009. In this capacity, he provides leadership in credit administration, loan assessment, credit risk management, portfolio monitoring, and the delivery of member-focused financial services. He plays an important role in ensuring that credit operations are managed responsibly, efficiently, and in accordance with established institutional policies and sound financial practices.

As part of MRT SACCOS’s strategic growth agenda, Victor is actively involved in initiatives aimed at expanding cooperative financial services to underserved and emerging member communities. He is currently contributing to feasibility studies and strategic expansion initiatives in Mwanga and Rombo District Councils, with the objective of assessing opportunities for extending the institution’s services and strengthening its cooperative financial footprint.

Beyond his core responsibilities in credit management, Victor is strongly committed to member empowerment and financial literacy. He actively participates as a panelist and facilitator in the SACCOS’s annual workshops, seminars, and member education programmes, where he shares practical knowledge on credit services, responsible borrowing, loan management, financial planning, and responsible financial decision-making. Through these initiatives, he contributes to building financially informed members and promoting a culture of sustainable borrowing and sound financial management.

Victor is also committed to continuous professional development and the advancement of cooperative financial services. He holds the African Development Education (ADE) Certification from ACCOSCA and has represented his organization in professional and international financial forums across East and West Africa, gaining valuable exposure to emerging practices, innovations, and developments within the cooperative and financial services sector.

With a strong combination of strategic leadership, credit management expertise, academic knowledge, professional development, and commitment to member empowerment, Victor Basil Akarro remains dedicated to advancing responsible and sustainable cooperative finance. His professional focus is centered on strengthening credit systems, supporting institutional growth, expanding access to financial services, and leveraging the cooperative model to contribute to long-term economic resilience and inclusive financial development in Tanzania.

MARCEL OCTAVIAN MUNISHI

IT Technician | Moshi Rural Teachers’ SACCOS Ltd (MRT SACCOS)

Marcel Octavian Munishi is an experienced Information Technology and Information Security professional with over 14 years of progressive experience in ICT operations, technical support, systems administration, information security, and technology management within institutional environments. He currently serves as an IT Technician at Moshi Rural Teachers’ SACCOS Ltd (MRT SACCOS), where he plays an important role in supporting the organization’s ICT operations, users, systems, and technology infrastructure to ensure reliable, secure, and efficient digital service delivery.

Marcel holds a Master of Information Security from the Institute of Accountancy Arusha (IAA) and a Bachelor of Science in Computer Science from Mwenge Catholic University (MWECAU). He also holds a Diploma in Information Technology from  Stefano Moshi Memorial University College (SMMUCO) and a Certificate in Library and Information Systems from Moshi Co-operative University (MoCU). His academic background reflects a strong combination of information technology, computer science, information systems, and information security, providing a solid foundation for his professional work in modern technology-driven environments.

Before joining MRT SACCOS Ltd, Marcel gained extensive professional experience at Stefano Moshi Memorial University College (SMMUCO) and its affiliated institution, where he served in a range of technical, administrative, and ICT-related capacities. His professional responsibilities included IT technical support, systems administration, computer laboratory management, website administration, ICT training, academic systems support, and institutional technology operations.

Through these diverse responsibilities, Marcel has developed strong practical expertise in maintaining and supporting ICT environments, troubleshooting technical challenges, administering information systems, assisting users, and ensuring the availability and reliability of technology-enabled services. His experience has also strengthened his ability to work collaboratively with users and institutional teams while responding effectively to technical requirements and operational challenges.

His professional areas of specialization and interest include Information Security, Cybersecurity, ICT Infrastructure, Systems Administration, Network Technologies, Information Systems, IT Technical Support, and Digital Transformation. With the increasing importance of secure and reliable digital systems, Marcel is particularly focused on applying information security principles and appropriate technology practices to protect institutional information assets, strengthen system reliability, and support efficient organizational operations.

At MRT SACCOS, Marcel contributes to creating a technology environment that supports business continuity, information security, operational efficiency, and effective service delivery. His approach combines technical competence with a strong commitment to confidentiality, reliability, continuous learning, and responsible management of information and technology resources.

With a solid academic foundation, more than a decade of practical experience, and specialized expertise in information security and ICT operations, Marcel Octavian Munishi remains committed to leveraging technology as a strategic enabler of institutional performance, digital innovation, information protection, and sustainable organizational growth.

 ROMAN BONIFACE SHEE

Assistant Accountant | Moshi Rural Teachers’ SACCOS Ltd (MRT SACCOS)

Roman Boniface Shee is an accomplished finance and accounting professional with over 25 years of practical experience spanning accounting, financial management, bookkeeping, cash management, and cooperative financial services. He currently serves as an Assistant Accountant at Moshi Rural Teachers’ SACCOS Ltd (MRT SACCOS), where he contributes to the effective management of the institution’s financial operations, maintenance of accurate financial records, account reconciliation, financial documentation, and preparation of financial information to support sound decision-making and reporting.

Roman holds a Bachelor of Arts in Accounting and Finance (BA-AF) from Moshi University College of Co-operative and Business Studies (MUCCOBS) and an Accounting Technician Certificate (ATEC) from the National Board of Accountants and Auditors (NBAA). He has further strengthened his professional knowledge through specialized studies in SACCOS Management and Elementary Bookkeeping, as well as professional training in Effective Financial Management.

His professional journey began in the hospitality sector, where he served as a Senior Supervisor and Clerk at New Castle Hotels Ltd (1993–1995). He later joined Kilimanjaro Christian Medical Centre (KCMC), serving as an Assistant Accountant and Cashier from 1998 to 2004. These roles provided him with broad practical exposure to financial administration, accounting operations, cash management, documentation, and institutional financial systems.

Over the course of his career, Roman has developed strong expertise in accounting and financial reporting, bookkeeping, financial records management, reconciliation, cash management, computerized accounting systems, and SACCOS operations. He is proficient in QuickBooks, Microfins, Microsoft Excel, Microsoft Word, and database systems, enabling him to work effectively in modern and technology-driven financial environments.

Roman is recognized for his accuracy, analytical thinking, integrity, reliability, confidentiality, and strong attention to detail. He is equally committed to teamwork, professional discipline, continuous learning, and delivering quality service. His ability to work effectively under pressure while maintaining high standards of accuracy and accountability has been an important part of his professional contribution.

His commitment to excellence was recognized during his studies at MUCCOBS, where he received the Overall Best Student Certificate for the 2007–2008 academic period. He has also continued to pursue professional development through specialized seminars and training in financial management.

With a combination of extensive practical experience, academic and professional qualifications, technical competence, and a strong ethical foundation, Roman Boniface Shee remains committed to supporting sound financial management, operational efficiency, institutional accountability, and sustainable growth at MRT SACCOS.

MACKFASON D. MMBANDO

 Loan Officer | MRT SACCOS LTD

Mackfason D. Mmbando is a dedicated cooperative finance professional with extensive experience in credit management, cooperative operations, customer service, marketing, and financial services. He currently serves as a Loan Officer at MRT SACCOS LTD, a position he has held since 2019. Through his professional experience and academic development, Mackfason has built strong competencies in credit assessment, loan processing, customer relationship management, financial analysis, and cooperative financial services.

Mackfason joined MRT SACCOS LTD in 2019 as a Loan Officer, where he has been actively involved in the management and administration of credit operations. His responsibilities include receiving and assessing loan applications, evaluating borrowers' financial capacity and creditworthiness, monitoring loan portfolios, providing guidance to members on credit facilities, following up on loan repayments, and supporting the overall achievement of the institution's lending objectives. Through his experience, he has developed a strong understanding of cooperative financial operations and the importance of responsible lending in promoting members' financial well-being and the sustainability of SACCOS.

Prior to joining MRT SACCOS LTD, Mackfason worked with Airtel Tanzania as a Marketing Officer at the Morogoro Branch from 2016 to 2018. During this period, he gained valuable experience in marketing, customer engagement, sales promotion, market development, and building strong relationships with customers. His experience in the telecommunications sector strengthened his communication, interpersonal, customer service, and business development skills.

Earlier in his career, from 2013 to 2015, Mackfason worked with the Tanzania Coffee Research Institute (TACRI) as a Factory Operator. In this role, he gained practical experience in factory operations, production processes, operational procedures, teamwork, and workplace discipline. This early professional experience provided him with a strong foundation in organizational operations and practical work environments.

Academically, Mackfason has pursued progressive education in cooperative management, accounting, and business administration. He began his academic journey with a Certificate in Cooperative Management and Accounting (CMA), followed by a Diploma in Cooperative Management and Accounting (DCMA), which he completed between 2014 and 2016. His studies provided him with a strong foundation in cooperative principles, accounting, financial management, cooperative administration, and organizational operations.

While continuing his professional career at MRT SACCOS LTD, Mackfason further advanced his education by pursuing a Bachelor of Cooperative Management and Accounting (BA-CMA), which he completed   2025. This academic achievement strengthened his knowledge and understanding of cooperative management, accounting, financial management, organizational leadership, and the broader role of cooperative institutions in economic and social development.

In March 2026, Mackfason commenced postgraduate studies at the Institute of Accountancy Arusha (IAA), pursuing a Master of Business Administration in Corporate Management (MBA-CM). His decision to pursue postgraduate education reflects his commitment to continuous professional development, leadership growth, and acquiring advanced knowledge relevant to corporate and organizational management.

Throughout his career, Mackfason has developed competencies in credit and loan management, cooperative management, financial services, customer relationship management, marketing, communication, financial analysis, and organizational operations. His combined experience in SACCOS, telecommunications, and coffee research and production has given him a diverse professional perspective and the ability to work effectively in different organizational environments.

As a Loan Officer at MRT SACCOS LTD, Mackfason is committed to promoting responsible lending, effective credit management, member satisfaction, financial inclusion, and the sustainable growth of the cooperative. His professional approach is characterized by integrity, accountability, teamwork, continuous learning, professionalism, and a strong commitment to achieving organizational objectives.

With a career spanning cooperative financial services, marketing, telecommunications, and industrial operations, combined with progressive academic qualifications in cooperative management, accounting, and business administration, Mackfason D. Mmbando brings a valuable combination of practical experience and academic knowledge to his professional responsibilities. His career journey reflects a strong commitment to professional growth, continuous learning, and contributing to the development and sustainability of cooperative financial institutions.

 SABRINA JUMBE RAJAB

Intern – MRT SACCOS LTD

Sabrina Jumbe Rajab is an enthusiastic Accounting and Finance professional currently serving as an Intern at MRT SACCOS LTD, where she is gaining practical experience and developing her professional skills in a real-world financial environment.

She holds a Bachelor’s Degree in Accounting and Finance from Moshi Co-operative University (MoCU), with a strong academic foundation in accounting, financial management, data management, and customer service.

Prior to joining MRT, Sabrina gained practical exposure through her fieldwork at the Tanzania Revenue Authority (TRA), where she supported data management, customer service, tax processing activities, and research.

In her current role as an Intern at MRT SACCOS LTD, Sabrina is applying her academic knowledge to practical financial operations while learning and developing her skills in accounting technologies, including QuickBooks, Tally, and Microsoft Excel.

She is committed to continuous learning and professional growth, with strong communication, teamwork, leadership, and attention to detail. Through her internship, Sabrina continues to build valuable experience and a strong foundation for her future career in accounting and finance.