Tumaini Hashim Yarumba is a passionate and experienced lecturer specializing in Banking, Microfinance, Insurance, and Disaster Risk Management, with over a decade of academic and professional experience. She holds a Bachelor’s Degree in Accounting and Finance, a Postgraduate Diploma in Insurance and Risk Management, and a Master’s Degree in Disaster Risk Management. As a lecturer at Moshi Co-operative University (MoCU), Tumaini is committed to fostering academic excellence through innovative teaching methods, curriculum development, and student mentorship. Her research contributions are notable, with several publications in peer-reviewed journals addressing critical topics such as disaster risk management, insurance, and microinsurance, showcasing her ability to link academic theories to practical solutions for real-world challenges.