:Low level of financial literacy among the young workforce has remained a lingering problem,especially in developing countries. This has been pointed out as one of the causes of poor personal financialmanagement practice. This problem has hampered the efforts of various governments and institutions inthis region geared towards financial inclusion and the overall economic wellbeing of the citizens. Moststudies in this area focused on the financial literacy level of people rather than the effect on their behaviour.This study is an attempt examine the effect of financial literacy level on spending behaviour of 30 youngadults from public sector organizations. The study employed the standard questions for assessing theknowledge level of respondents. The questions test their understanding of simple and compoundinterest,inflation and portfolio diversification. For the spending behaviour, thePlanned Behaviour Theory(PBT) proposed by Icek Ajzen (1985) as a theoretical framework for measuring spending behaviour usingthe respondents preparation of budget and personal pre-retirement savings account as proxies. Data wascollected using a structured questionnaire . Descriptive statistics and multiple regression was used toanalyze thedata. The result showed that there is a positive correlation between the level of financial literacyand the spending behaviour of therespondents. The less the knowledge of financial management the peoplehave, the higher the risk of poor spendingbehaviour. The conclusion was drawn to say that more work isneeded to equip the youth especially on the art of financial management.

Central to any financial institution's success is working capital management because mismanagement (WCM) can lead to its demise. This research examines the management of working capital in deposit money banks (DMBs) in Nigeria. This study evaluated the impact of liquidity on banks' performance to analyze how their competitiveness influences capital adequacy and assessed the correlation between loans and advances and deposit money banks' profitability. The study utilized a regression analysis, in which panel data was used based on data retrieved from the banks' financial statements from 2010 to 2017. The findings showed that the primary reason banks hold highly liquid assets is to guard against a rise in demand or unforeseen circumstances. Another reason is to finance working capital operations based on the theory of liquid assets. Therefore, based on the findings it is recommended that direct policies are implemented to ensure that high-volume cash transactions are dramatically reduced.Contribution/Originality: This study contributes to the existing literature by investigating working capital management and the performance of deposit money banks with the use of a pooled regression for an extended period from 2010 through 2017.

The development of the industrial sector remains a contentious issue in Nigeria’s economy.This research examines the impact of Government expenditure on sustainable industrial developmentin Nigeria. The research adopted Johansen co-integration and vector error correction analysis via EViews statistical software (version 10.0) for period between 1981 and 2018, to determine long-runimpact of public finance on industrial growth in Nigeria. It used time series data extracted from CBNstatistical bulletin (2018) and WDI (2018). This research adopts Wagner’s Law named after the Germanpolitical economist Adolph Wagner (1835-1917), which best explains government expenditure andindustrialization. This research study found out that government revenue is statistically insignificantbut has a positive effect on industrial development; Manufacturing Value added as a proxy (MVA), a100% change in GREV will bring about 28% changes in manufacturing output, capital expenditure ishowever statistically significant and negatively impacts industrial output, a change in CEXP will yieldless than a proportional change in MVA by about 52%, recurrent expenditure positively affectsindustrial growth, although its influence is statistically insignificant, a 100% rise in REXP will causeabout 41% increase in manufacturing sector’s growth. Also, a change in capital stock i.e. Gross FixedCapital Formation (GFCF) will lead to a significant but inelastic and less than proportional change inMVA, thereby depicting inverse relationship. Based on the findings the following conclusions weremade: Effective allocations of government revenue as well as the early release and approval of budgetproposals will have a meaningful effect on the economy, increase in sustainable investment levelalongside required equipment coupled with qualified personnel to properly manage these amenities willensure improvement of the industrial sector and finally, working incentives in form of tax incentives,promotion and salary increment should be regularly encouraged in the industrial sector in Nigeria