The aim of this paper is to identify the main impact that credit management and macroeconomic variables have on bank performance in Nigeria. The reason for this is the numerous high level of deposit money banks’ bad debt based on available data. The bad debt tended to have a negative effect on performance. To this end, the researchers conducted a study using macroeconomic data, and other indicators of credit management and bank performance from 2009-2017 using 12 deposit money banks in Nigeria. The ordinary least square (OLS) method was utilized to determine the factors that explains the subject matter. The result showed the presence of a positive connection between the capital adequacy proportion and the sum national income on the Return on Asset. Therefore, Depositing Money Banks with a greater proportion of capital sufficiency can all the more likely develop more advances and retain credit misfortunes whenever it occurs and thus document better financial productivity as for the assets.

Demographic transitions and technological advancements may lead to a net loss of 5 million jobs by 2020; hence, about 40% (1.4 billion) of the global workforce are vulnerable to unemployment. This is because a more significant percentage of tasks that are already being disrupted by automation are repetitive and standardized processes. At the same time, actions/jobs which require empathy, genuine creativity, and critical thinking will be in high demand in the new workforce, thereby achieving a human-machine collaboration. Thus, this study seeks to investigate the influence that technology has on employment in the Nigerian labor market and how Access to electricity and employment are connected using Nigeria as a case study. The unit root test was conducted via Phillip-Perron (PP) statistics and Augmented Dickey-Fuller (ADF) tests. The Auto-Regressive Distributed Lag (ARDL) model was also employed to evaluate the relationship between technology and employment in Nigeria using World Bank data . Results showed that technology and globalization have a long-run statistically significant inverse relationship with employment in Nigeria, which conforms to theory. Policy recommendations promote the acquisition of such skills encompassing critical thinking, empathy, and creativity to enable a better future for the Nigerian labor force.

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