Neema Lucy John is an Assistant Lecturer at Moshi Co-operative University, Kizumbi Institute of Co-operative and Business Education (KICoB), with a strong academic and professional background in finance, microfinance, and community development. Born on March 6, 1996, she is a Tanzanian national fluent in both Kiswahili and English. Neema holds a Master of Arts in Co-operative and Community Development (GPA 4.5), a Bachelor of Arts in Microfinance and Enterprise Development (GPA 3.9), an Ordinary Diploma in Finance and Banking (GPA 4.0), and a Certificate in Business Management (GPA 4.2), all obtained from Moshi University College of Co-operative and Business Studies (MUCCoBS). Her academic journey is complemented by extensive practical experience, including long-term service as a volunteer and intern at Moshi Co-operative University from 2016 to the present, where she contributed to academic and administrative roles. Additionally, she worked as a Loan Officer at WAZALENDO SACCOS in 2016, gaining firsthand insight into cooperative financial services. Neema’s dedication to education, cooperative development, and community empowerment defines her professional ethos and continues to guide her contributions as a young academic in the co-operative sector