Microfinance is the array of financial services, including loans, savings and insurance, available to poor entrepreneurs and small business owners who have no collateral and would not otherwise qualify for a standard bank loan. Most often, microloans are given to those living in still-developing countries who are working in a variety of different trades, including carpentry, fishing and transportation. However, the paper makes use primary data and questionnaire were distributed to fifty (50) staff of AB microfinance bank, Ikeja branch, Lagos state and fifty (50) selected small and medium scale enterprises in Ikeja metropolis, Lagos State, Nigeria and Spearman's rank correlation coefficient was adopted as the estimation techniques. The paper set to examinethe impact of micro finance bank on small and medium enterprises in Nigeria and to also examine the impact of micro finance policy on employment opportunities in Nigeria. More so, the result shows that Microfinance bank has a significant effect on the growth of small enterprises in Nigeria and Microfinance policy has a significant effect on employment opportunities in Nigeria. Therefore, the paper concludes that the government should focus more on promoting small and medium scale enterprises (SMEs) in Nigeria by giving more microfinance banks opportunity to operate freely and give loan to the SMEs in Nigeria. Finally, the paper recommends that small and medium scale enterprises (SMEs) is seen as the way forward for Nigerian economy rather than relying on oil that has not transformed the economy, so the Nigerian government should embrace SMEs and give more support to the microfinance bank in other to give loan to the SMEs in Lagos State Nigeria.

The paper vividly takes a look at the implementation of computerized banking monitoring system in Nigeria banking industry using Zenith bank Nigeria Plc as a case study. Moreover, Computerized banking monitoring information system in Nigerian banking industry is one of the ways the bankers try to reduce fraud and some other irregular activities in transferring cash online. However, the paper makes use of primary data of questionnaires analysis that were distributed to one hundred and fifty (150) staffs of Zenith bank Nigerian Plc. Three hypotheses were tested using spearman's rank correlation coefficient and the result shows thatthe lacks of security on the current automates system has a significant effect on internet banking services and the cost of implementing computerized banking monitoring information system has a significant effect on Zenith bank Performance in Nigeria banking industry. More so, the third results shows that the feasibility in installing computerized monitoring system has a significant effect on banking activities in Zenith bank. Therefore the paper concludes and recommends that when considering using computer monitoring software in the workplace like the banking industry, thorough and extensive research on the technology should be done and the bank should make sure that the monitoring information system in the industry is very efficient and effective in detecting fraud and other irregulaties related to online transaction.