OLADOTUN-OLUWAJANA, Tolulope O.; AKINNAGBE, Oluwole M.; AYODELE, Omowunmi V. Socio-Economic Determinants of Smallholder Farmers’ Access to Credit in Ondo State, Nigeria: Evidence from a Heckman Selection Model. Journal of Biotechnology and Agricultural Research, Nigeria, v. 11, n. 1, 2026. DOI: 10.70382/ajbar.v11i1.028. Disponível em: https://africanscholarpub.com/ajbar/article/view/1207.. Acesso em: 11 nov. 2026.