The Team


OUR Consultants



Petronella Chigara-Dhitima is a Microfinance expert with experience in 17 African countries and other developing countries in Asia and Latin America. She is the Founder and Managing Director of Mustard Seed Advisory.

A seasoned professional, Petronella is armed with over 24 years of experience in Microfinance, SME Development, and Organizational Development in East, West and Southern Africa. She has been instrumental in spearheading green field operations for Accion in West Africa (specifically Ghana and Nigeria), and setting up microfinance divisions in two different banks in Zimbabwe (CBZ and Kingdom Bank).

Furthermore, Petronella has shown her ability to transfer skills and knowledge to counterparts, colleagues, and subordinates in several varied cultural and organizational settings. Apart from full time positions, she has worked as a development finance consultant, undertaking short term assignments in more than 17 African countries. She has delivered services beyond Africa in Bolivia, Ecuador, China, India, and Colombia.

Within MSA, she focuses on Microfinance Consulting and Financial Education. Petronella serves as the ITCILO MMW Master Trainer responsible for trainer certification; she is a certified SMART Assessor and certified CGAP Trainer. She has taught at the Boulder Microfinance Training Program for the past 17 years; she is also Associate of MFO and ILO.

Petronella holds an Honours’ Degree in Business Science from The University of Zimbabwe and a Master of Business Administration from University of Liverpool as well as other industry specific qualifications.

Petronella is also a Conference Speaker, Mentor and Facilitator of the Global Business Roundtable.


Mathias is an Associate Trainer and Consultant at MSA.

He has more than 16 years of experience in Human Capital Development in financial inclusion sphere and running Workplace Wellness Programming and Community Mobilization for corporate entities.

Mathias has developed training materials and implemented wellness programs in many organizations in Zimbabwe.


Masuna Chikami is the co-founder and Managing Director of Generational Impact Finance.

Mr. Chikami has over 27 years of practical and hands on experience in Microfinance. He has established Greenfield MFIs in Zimbabwe, Nigeria and Ghana. From 2006 to 2018, he has worked for Accion International helping several microfinance banks in Sub-Saharan Africa.

He was instrumental in setting up Accion Microfinance Bank in Nigeria. As Project Manager for Accion International, Mr. Chikami has led the Africa Technical Assistance Teams, strengthening microfinance bank operations in Nigeria, Ghana, Tanzania, Cameroon, Haiti, Uganda, Malawi and Zimbabwe.

He has extensive experience in strategy and business planning, credit operations management, credit policy formulation, credit process re-engineering & process mapping and training credit teams.




Tawanda is a Senior Associate leading the Credit, Market Research and Product Development services of MSA. He has over 22 years experience both as practitioner and technical services provider in the development finance arena.

Tawanda’s main areas of professional experience include strategic planning, fostering SME linkages to finance and business development services, program evaluations, operations management, institutional assessments, research, product development, reviewing of regulatory frameworks as well as rating of microfinance institutions.

He has worked in several Southern, East and West African countries.

Tawanda holds a MBA degree with Milpark Business School in South Africa and an Honors Degree in Economics from The University of Zimbabwe.


Shalom is the Business Development Manager, Team Leader for the Financial Education For Young People Programme; she also develops training and workshop material.

Her responsibilities include drafting contracts, proposals and managing Financial Education workshops.

Shalom is an MFO and ILO Financial Trainer; she has trained young people, entrepreneurs and junior employees to this end.

Shalom began her career at ProActive Cards in the UK where she was training Junior employees and continues to train coach and impart Life Skills to young people.

Shalom holds BA Degree in Geography & Planning from the University of Sheffield in the United Kingdom.


Nobuhle is the Administrator.

Her responsibilities include providing office support to individuals or teams that is vital for the smooth running of workshops and trainings.

She holds BCom Degree in International Hospitality Management.


Rebokile is the Research Associate.

Her responsibilities include preparing material, conducting research as well as monitoring progress of research projects and coordinating information between the different departmental sections at MSA.

She holds BSc Honours Degree in Economics.

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