John Muhimbise is a consultant with Apex Business Skills, a firm that offers consultancy in various management disciplines, including business planning, Rrisk management, financial management and corporate governance.He holds a Barchelors of Science Degree in financial services from the University of Manchester, a Masters Degree in business administration from the University of Leceister and he is a Fellow of the Chartered Institute of Bankers London. John spent over 30 years in commercial banking. As a credit manager under whose docket agriculture lending portfolio fell, John developed a special interest in agriculture that has persisted to this day.