Onyemah Henry Oster is a dynamic writer and a certified microfinance practitioner from the Chartered Institute of Bankers of Nigeria (CIBN). A Certified Expert in Microfinance (CEM) professional from Frankfurt School of Finance & Management, Germany and graduate of the University of South wales, UK. An associate member of the Nigerian Institute of Management (ANIM), Associate Member of the Chartered Institute of Loan and Risk Management (ACILRM), senior Associate Member of the Association of Enterprise Risk Management Professional and author of the books (The Functional Microfinance Bank and Basic Financial Analysis, Ratios and Performance Monitoring in Microfinance banks)