This study examined the relationship between small-medium enterprises and employment in Nigeria. Annual data extracted from the ILO, WDI and CBN databases from 1991 to 2019 was subjected to various econometric techniques. The summary of findings that erupted in this work is as follows. Commercial banks loans to SMEs stimulate a significant employment creation in Nigeria. SMEs jobs have a significant positive contribution to employment creation in the country. Steaming from the findings of this study, whenever these policymakers want to create employment, policy and programmes that drive the expansion of SMEs oriented jobs should be

This study contributes to intellectual discuss on consumer preference and satisfaction for GSM service providers in the context of students of tertiary institution in Lagos State, Nigeria. Using primary data, the study provide answer to four research questions and tested four hypotheses with a view to establish the influence of consumers' preference and satisfaction of GSM service providers in Nigeria. The findings revealed a significant positive relationship between service assurance, service empathy, service reliability, service responsiveness and customers' satisfaction of GSM service provision among students of tertiary institution in Lagos State. Also, the study also indicated that all variables accounted for 64% of the variance in service satisfaction (R 2 = .645; F = 20.400, P = .000). Nonetheless, service reliability (β = .267, t = 3.439, p = .001) was found to have the greatest influence on service satisfaction followed by service assurance (β = .170, t = 2.987, p = .005) and service responsiveness (β = .135, t = 2.056, p = .046). On the other hand, only service empathy was not found to have influence service satisfaction.

The study examined the influence of service quality on preference for mobile telecommunication (GSM) service providers among students of tertiary institutions in Lagos State. Specifically, the study determined the influence of service assurance on preference for GSM service provider and assessed the influence of service empathy on preference for GSM service providers among students of tertiary institutions in Lagos State. Findings from the study revealed that service assurance positively and significantly influenced preference for mobile telecommunication (GSM) service providers among students of tertiary institutions (Adj. R2 = .008, F (8,1051) = 2.110, p <.05). Also, findings from the study indicated that empathy positively and significantly influenced preference for mobile telecommunication (GSM) service providers among students of tertiary institutions (Adj. R2 = .008, F (8, 1051) = 2.110, p <.05). The study concluded that increased service quality led to increased preference for GSM service providers among students of tertiary institutions in Lagos State. Thus, an increase in service quality led to an increase in preference for GSM service providers among students of tertiary institutions in Lagos State. Therefore GSM service providers should improve on service assurance and service empathy to enhance consumers’ preference. Keywords: Service quality, customer preference, assurance, empathy, telecommunication