Hence, the farmers that have access to credit have higher chances of having marketable surplus to sell than those that did not have access to credit.
This could be due to the fact that large household size has the tendency to reduce the marketable surplus, as more of the rice output would be consumed within the household since rice is the most important staple food crop in the Nigerian diets.
In fact, one of the most significant contributions of these non-zero threshold studies is their ability to estimate how far nonparticipating households are from levels of marketable surplus that would encourage and sustain participation.
Excess output above the consumption level of the households will generate marketable surplus, which encourages farmers to participate in the output market.
It can be stated that higher adoption of IRVs would lead to an increase in rice yield and rural farmers could, consequently, have marketable surplus.
In other words, increase in yield will increase the households' marketable surplus.
This result confirms the finding of Siziba et al. (2011) and agrees with their argument that households with large family sizes fail to produce marketable surplus beyond their consumption needs.
The yields of maize and groundnut are significantly associated with higher probability of participating in both markets, which is consistent with expectation, since higher yields are more likely to ensure marketable surplus.
Hence, access to seed will aid adoption and adoption is expected to generate increase in output leading to increase in marketable surplus.
This shows that farmers with access to credit are able to produce enough marketable surpluses and then sell these at market centres.
