I hv hnd lower credit,working with a bank.i want to go for my masters.i need  your advice as to the school i should attend within the lagos area, and if i should go for an mba or msc

An MBA or M.Sc depends on what you want to do with your life, what career you want to pursue. Do you want to build a career in Banking or you want to continue in the Sciences?
Best you carefully consider this before making your choice.

Of course these days it doesn't really matter what you have your Masters in to work in a bank, but it's best you spend your money acquiring a qualification you're actually going to make use of. . .the knowledge will also prepare you for your chosen field.

As for schools in Lagos, the Lagos Business School in V.I is a very good one for an MBA. Guess Unilag is the favorite for an M.Sc. . .

As an hnd holder u will need to first go for ur pgd after which u go 4ur masters. meanwhile, d career u intend to pursue will determine either mba or msc but if u still want to continue as a banker mba will be better. best

Nowadays full time MBA programs are more study oriented courses where learning come from discussions and many experienced managers, who worked across many functions can transform your ability towards success.

A very big question for some of us that are not really working with/having career in the area of our first degree.

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