I. INTRODUCTION

a) Background to the study

Maize (Zea mays L.) (corn) is the most abundantly produced and consumed cereal in the world. It ranks first worldwide with wheat and rice following in terms of importance (OECD-FAO, 2016). Maize grains are useful raw materials in pharmaceuticals, food industries, domestic fuel and animal feed production (Relief Web, 2017) This makes it one of the crops with the highest demand in the world (IITA 2019). According to Urassa, (2015) the demand for maize worldwide hits 3Billion Metric Tonnes while the global production was about 1.1 Billion Metric Tonnes thereby leaving a deficit of 1.9 Billion Metric Tonnes. Hence the need for increased maize production.

Maize is the most important cereal crop in Africa. It is critical to more than 300 million small holder livelihoods and accounted for 30-50 percent of Africa expenditure (FAO, 2019).

Nigeria in 2019 was the second largest maize producer in Africa. It had an average maize production volume of about 11 million Metric Tonnes (MMT) after South Africa with 16 MMT and Ethiopia third with 8.4 MMT (USDA Data 2020). However, as of January 2021, Nigeria is ranked ${40}^{\text{th}}$ largest maize importer in the world, importing about 400,000Metric Tonnes of maize on yearly basis (Premium Times 2021). This is because the local demand is more than the national production. In 2019, while total production was 11 MMT, total demand was more than 12 MMT leaving a deficit of more than 1MMT (Federal Ministry of Agriculture (2019)).

This may not be unconnected with the fact that more than 80 percent of maize production in Africa is carried out by small holders whose major challenge is low soil fertility(Urassa,2015). Low soil fertility results from; continuous cropping, removal of crop residues for animal feed and shelter, bush burning, leaching as a result of torrential rain and lack of soil fertility restoring inputs to balance soil nutrients there by resulting into low crops yield and low income. (Adams et al., 2015). Unfortunately, the traditional measures of restoring soil fertility including bush fallowing and land rotation are no longer fashionable as a result of population pressure. Farmers therefore, embraced the use of inorganic fertilizers to augment soil nutrient and boost yield. However, inorganic fertilizers are mostly unavailable, and when available, are very expensive, hence, out of the reach of about $70\mathrm{\%}$ farmers (FAO, 2019; Urassa, 2015) who are responsible for feeding the people.¹ Inorganic fertilizer besides promoting the luxuriant growth of pest harbouring weeds which compete with and inflict injury on our crops on the field, produce weed seeds that contaminate stored grains, it is also associated with land degradation, increase in soil acidity, breakdown of microbial activities in the soil, and environmental pollution. According to Loks et al., (2015) ccontinuous use of inorganic fertilizer results in its reduced nutrient release efficiency thereby leaving behind in the soil large proportion of unused nutrients which are likely to damage the soil and the environment.

The persistent exorbitant cost of fertilizer, over dependency on the use of inorganic fertilizers as a source of plant nutrients by farmers, land and soil degradation and environmental pollution have necessitated serious demand for sustainable soil nutrient replenishment options in Africa which will be inexpensive, environment friendly and improves crops yield. This research was therefore, initiated in order to explore the potentials of the moringa/ banana/ maize technology- a natural organic fertilizerto serve as the best alternative to the expensive, scarce and hazardous chemical fertilizers. Moringa/banana/ maize technology is a low-cost bio-fertilizer which combines moringa leaves, banana peel and maize stalk in different ratios and different forms(solid or liquid) to replenish soil nutrients

b) Justification for the Study

The current study is a continuation of a baseline study on Moringa Technology carried out in 2016/17 by the author and team members. The moringa Technology a biofertilizer that emanated from the felt needs study carried out by the author's department (Agricultural Economics and Extension services) in 2013 where the community farmers lamented seriously on lack of access (in terms of cost and availability) to chemical fertilizers.

The baseline study ran a trial on the use of Moringa leaves, poultry manure and NPK 15-15-15 individually and their combinations at various levels. It was discovered that Moringa leaves alone could not support maize production $100\mathrm{\%}$ except when combined with NPK inorganic fertilizer. This was because Moringa leaves have high content of N $(2.56\mathrm{\%})$ and relatively low content of P $(0.22\mathrm{\%})$ and K $(1.13\mathrm{\%})$ (Moringa leave analysis in 2016). The relatively low level of other essential plant nutrients P and K in moringa leaves necessitated the inclusion of maize stalks and banana peels in the current study since the aim is to use only organic sources. Banana peels and maize stalks have been discovered to have large quantities of phosphorus (P) and potassium (K) but do not have usable Nitrogen (N) which makes the combination more perfect.

The current study is therefore, combining the three organic sources of soil nutrients to replace the use of inorganic fertilizer. So as to reduce cost of producing maize through complete removal of the cost of inorganic fertilizer which is the most expensive farm input on maize farms (Urassa, 2015). The outcome of this study will not only reduce cost of maize production in Africa, it will also produce maize cobs with acceptable taste and enhance sustainable income among maize farmers.

II. OBJECTIVE OF THE STUDY

The general objective of the study is to explore the possibility of using MO, MS and BP mix to optimize maize crop production for increased sustainable income of small-scale farmers.

Specifically, to;

1. Investigate the effect of the different combinations of MO - MS -BP mix on the growth and yield of maize

2. Estimate the cost and benefit of the different combinations of MO- MS-BP technology

3. Determine the optimum combination of MO-MS-BP that will maximize net farm income.

4. Determine the best mode of application of MO + BP + MS mix that produces the highest yield.

III. COMPONENTS OF THE MORINGA TECHNOLOGY

a) Moringa oleifera leaves

Moringa oleifera Lam (family: Moringaceae) christened 'Miracle tree', is a prestigious multipurpose tree found in the tropics and subtropics (Morton, 1991) with highly abundant uses (Adebayo et al., 2011; Moyo et al., 2011). It is considered as one of the world's most useful trees, as almost every part of the tree has an impressive effect in food, medication and industrial purposes (Adebayo et al., 2011.; Mishra et al., 2011). M. oleifera has remarkably great potential as organic fertilizer (Jahn 1988). It is a renewable, biodegradable, sustainable and environmentally friendly organic fertilizer that thrive on marginal lands (Adebayo et al., 2011) M. oleifera used in its natural form as organic fertilizer performs two functions, it releases nutrient just as required by plant for uptake thus preventing buildup of acidity in the soil. It also improves soil health, structure, pores for air and water retention and micro and macro-organism activities hence, promoting a balanced and sustainable ecosystem at the long run (Jahn 1988). Moringa leaves as organic fertilizer is unparalleled as it does not only contain macro and micro nutrients, but also contain growth hormones such as cytokinin and antioxidants (Abdalla and El-Khoshiban, 2012; Su and Chen, 2020). Empirical evidence abound on use of moringa leaves either in liquid or solid organic fertilizer with favorable and significant results in vegetable crops like rape, cabbage and tomato, and field crops like maize and common beans. Andrew (2011) demonstrated that the liquid spray of M. oleifera increased the crop production by $20-35\mathrm{\%}$. Also, it's fast-growing nature makes it a good green manure especially when ploughs into the soil during land preparation. Thus, enriching depleted soils, saving farmers funds ought to be expended in buying inorganic fertilizer and increase quality and yield of food crops that will command higher market price and consequently increase in farmers' income.

b) Banana peels

Banana (Musa spp) is a tropical large herbaceous plant belonging to the family Musaceae with very tender stem which is a cylinder of leaf-petiole sheaths, reaching a height of (6-6.5 m) and arising from a fleshy rhizome or corm. Suckers spring up around the main plant forming a clump or "stool", the eldest sucker replacing the main plant when it fruits and dies, and this process of succession continues indefinitely. Bananas have a great economic impact in the world as one of the most popular fruits which is high in nutritive value and as cash export (Stone, 2015). Empirical evidence showed that banana peels contain 4.4 - 6.3% dry weight potassium (K) with significant amounts of Calcium, Magnesium and Sodium along with a number of other trace elements accounting for 9/15 of the commonly tested for elements (Hussain et al., 2019)). Banana peels according to Stone, 2015., Doran and Kaya, 2003 contain 42% potassium, making it one of the highest organic sources of potassium, and even higher than wood ash. Crops like tomatoes and peppers, which have a low nitrogen need respond well to banana peel fertilizer (Stone, 2015). The calcium in banana peel helps in N uptake, manganese aiding photosynthesis, the sodium helps in water movement between cells and magnesium and sulfur both helping in the chlorophyll formation. As important as bananas are, many African countries (Nigeria inclusive) after eating the flesh often toss the peels in the garbage. Banana residues being organic in nature are rich source of macro and micronutrient that can be recycled to prevent their disposal in environment, thus sustaining the balance between economic development and environmental protection (Memon et al., 2012). Application of banana waste improves soil structure, texture, aeration, water holding capacity, porosity, increases stress tolerance and productivity of sorghum bicolor (Mawahib et al., 2015) In addition to improving soil health, it also reduces the use of chemical fertilizers (Hussain et al., 2019) thus saving huge amount of foreign exchange incurred for import of fertilizers.

c) Maizestalk

Maize is cultivated in large quantum in the tropics for food and other uses. Each year, enormous quantity of debris results after harvest especially where maize stalks are not fed to animals or used for sheds and shelters. However, maize stalk has high potential use in organic fertilizer as it contains high content of Phosphorus (P) and Potassium (K) 370 and 1020 (mg/kg) respectively (Galila et al., 2012). The level of K in maize stalk can be increased by ten folds when fermented with fungi while some other mineral components also increased but by a lesser fold (Galila et al., 2012). However, the continuous removal of maize stalks makes the nutrients in maize stalks unavailable to the soil for crop use. The phosphorous in maize stalk is not easily available for plant use (Woldesenbet and Haileyesus 2016). Decomposition and grinding to reduce organic materials to particle size improve nutrient availability in the soil and uptake by plants as they increase the surface areas of organic materials.

Both maize stalk and banana peel do not contain usable nitrogen, hence, serve as perfect combination with Moringa oleifera for nutrient loving crops like maize, hence, Moringa- Banana peel – maize stalk technology has a great potential for cost effective, long- term, sustainable impact in improving maize productivity, soil fertility, structure and income of the resource-poor rural dwellers in Africa.

IV. MATERIALS AND METHODS

a) Experimental Site

The Teaching and Research Farm, Kwara State University, Malete, $({08}^{\circ }{42}^{\prime }{48.5}^{″}\mathrm{N}$ and ${004}^{\circ }{26}^{\prime }{17.9}^{″}\mathrm{E})$ Ilorin, Nigeria was used for the experiment. The area is in the southern guinea savanna zone of Nigeria. It has an annual rainfall of about 1200 with a dry spell from December to March. Mean maximum temperature varies between ${33}^{\circ }\mathrm{C}$ and ${34}^{\circ }\mathrm{C}$. The soil is slightly acidic (PH 6.5), sandy loam, low in organic matter $(8.76\mathrm{g}/\mathrm{kg})$ and deficient in nitrogen $(0.7\mathrm{g}/\mathrm{kg})$, phosphorus $(9.7\mathrm{mg}/\mathrm{kg})$ and potassium $(0.41\mathrm{cmol}/\mathrm{kg})$. The site is mainly used for experimentation.

b) Materials and Collection

The materials for the experiment are; maize seeds, moringa leaves, maize stalks and banana peels and NPK 15-15-15 (control)Maize seeds, variety BR9928 DMR-SR (Yellow, Downy Mildew Streak Resistance) were collected from IITA Ibadan, Moringa leaves and maize stalks were collected from Kwara State University Teaching and Research Farm, Malete while banana peels were obtained from women selling roasted plantain by the road sides. N, P and K for the experiment were sourced from Moringa leaves (MO), maize stalk (MS) and banana peel (BP) respectively.

c) Measurement of variables

• Maize plot: The area of maize plot was a $3{\mathrm{m}}^2$ divided into three replicates laid out in randomized complete block design (RCBD). Data were collected on ten plants at the middle.
• Number of leaves(NoL): were counted at two, four, six and eight weeks after planting WAP
• Plant height(PLTH): was taken from the base of the plant to tip stem at 2, 4,6 WAP and the base of the tassel at 8 WAP using meter rule
• Grain yield: This was estimated and expressed in ton/hectare.

15% moisture content Where shelling $\mathrm{\%}=85$

1 hectare $=10,000{\mathrm{m}}^2$

1 tonne = 1,000kg

Stalk lodging $(\mathrm{\%})$ It is the percentage of plant stalks that broke below the ear two weeks before harvest.

d) Source of materials

Moringa leaves and maize stalks came from the university farm at no cost

Banana peels were collected from Ipata (a local market in Ilorin) through roasted plantain sellers

N was sourced from moringa

P sourced from banana peel

K sourced from maize stalk

Inorganic fertilizer was bought from the market

e) Experimental Design and procedure

The experimental design involved a screen house and field experimentation both at the Kwara state University Teaching and Research Farm. The Screen house experiment was laid out in complete randomized design (CRD) while the field experiment was randomized complete block design (RCBD) both in three (3) replicates.

The experimental site was cleared and prepared manually and then divided into plots using a randomized complete block design with split plot arrangement in three replications. The size of each plot was $3.0\times 3.0$ ( $9{\mathrm{m}}^2$ ) with an inter-plot space of $0.5\mathrm{m}$. The fertilizer treatments consisted of four different nutrients combinations including; - (A) = $70\mathrm{N}+30\mathrm{P}+20\mathrm{K}$, (B) = $100\mathrm{N}+40\mathrm{P}+30\mathrm{K}$, (C) = $120\mathrm{N}+50\mathrm{P}+40\mathrm{K}$ and a control, (D) = $90\mathrm{kg}$ NPK 15-15-15, a recommended rate for maize. The N, P and K experimental content came from the mixture of Moringa leaves, maize stalk and banana peel. The fertilizer was incorporated into the soil and also applied as foliar. The solid fertilizer obtained from the air-dried and grounded moringa leaves and other components were incorporated into the soil a week before planting while the foliar fertilizer were applied 2 and 6 weeks after planting to reduce being washed off by rain. To form the foliar fertilizer, each of the plant components was dissolved in a litre of water in a jar and covered for three days, thereafter, sieved into sprayer tank containing 1 litre of water and sprayed on the foliar part of the plants. All required agronomic standard practices were used before and after the crop emergence. Maize crop was harvested fresh manually after maturity.

f) Analysis of Soil

Soil samples were randomly taken from the experimental site before planting with the aid of auger, bulked, air dried and ground to pass through a 2mm sieve. Soil analyses were carried out using (Okalebo2002). Soil particle size distribution was determined by hydrometer method using Calgon solution as dispersing agent. Soil pH was determined by using 1:1 soil: water ratio suspension with pH meter. Soil organic carbon was determined by modified wet oxidation method by Wilkey and Black, (1934.) and converted to organic matter by multiplying with 1.724. Total nitrogen was determined by the micro-kjeldahi digestion and distillation method. Available phosphorus was determined by the bray 1 Acid Fluoride Solution. Exchangeable cations were extracted with 1.1 ml Ammonium acetate at pH7.Na and K were measured with flame photometer while Ca and Mg were measured with atomic absorption spectrophotometer. Cation exchangeable capacity was measured by Ammonium acetate technique

g) Financial Analysis

The farm budgetary technique (Olukosi, 2006) was used to determine the net farm income for each treatment to allow for selection of the best alternative. The model for estimating farm budgeting is outlined thus;

Where,

NFI is the net farm income

$\mathsf{G}\mathsf{I}=$ Gross Income (Expected Total Revenue)

TVC= Total Variable Cost

TFC= Total Fixed Cost

Expected Total Revenue =yield in t/ha * price per tonne

One tonne of maize is # 250,000 (market price)

Total variable cost of production (TVC); Variable costs incurred were on labour, herbicide, transportation, harvesting, weed management, grinding and fertilizer& fertilizer application and maize seeds.

Maize Seeds = 5kg = #6000 /ha

Grinding = #3,000

Total Transportation = #18,000 For each of the other operations, labour cost $=\mathrm{\#}15,000/3{\mathrm{m}}^2\ast 1,000{\mathrm{m}}^2$

Note:-1 US$ = #500

Total fixed cost (TFC); Depreciation on land and equipment, expenses on land preparation (clearing, ploughing and ridging),

To obtain the worth of each of the fixed cost items the straight-line method of depreciation was used.

The formula for depreciation using straight line method is given as;

h) Data Analysis

All data collected were subjected to analysis of variance and correlation analysis. Significant mean values were separated with Duncan's Multiple Range Test. All data were analyzed using SAS program.

i) Procedure for data recording

Collection of data commenced from 2weeks and followed by4, 6 and 8 weeks after planting (WAP)

after when fresh maize was harvested. To record plant height of maize, ten plants were randomly selected from each plot and measured from the ground level to the tip of the plant. Average Number of Leaves and proportion of plants were physically counted and recorded. The yield was determined by measuring cob weight and dry grain weight of 100 grains. Cost of materials used and price of maize were determined through reigning market prices. The US $equivalentwasobtainedusingofficialexchangeofUS$ 1 to N500 (as at December 2021)

V. RESULTS AND DISCUSSION

a) Soil Analysis

Maize is an exhaustive crop, demanding nutrients at all stages of its growth. Among the most essential nutrients required by maize crop for healthy growth and high yield are; nitrogen (N), phosphorus (P) and potassium (K). N plays a vital role in overall production (Abbas et al., 2016) as it is linked with dark green color of vegetative parts, branching and leaf production. P is considered to be the second important nutrient, as it influences the growth and yield related traits of plants that are ultimately allotted to the embryo to improve seed vigor (Seyyedi et al., 2015). K plays an important role in persistently keeping the plants standing during strong winds and its deficiency or inadequate supply always result into stunted growth and reduced yield (Wikkipaedia, 2018). However, most Nigerian soils including the experimental site are deficient in NPK nutrients (Olhowoake et al., 2015), these nutrients

therefore need to be supplied. The finding implies that maize crop will respond positively to nutrient treatment.

b) Analysis of Moringa leaves, Banana peels and Maize stalks

The different treatments in the study involves the use of, Moringa oleifera leaves (MO), Banana Peels (BP) and Maize Stalks (MS) and these are shown in Table 2 to possess nutrients (NPK) beyond the critical requirement for maize good performance (Ayodele and Omotosho 2008)

c) Number of maize leaves

i. Number of leaves of Maize plant as influenced by fertilizer types in 2020 cropping season

Table3 revealed that nutrient application resulted into production of varying number of leaves which are the precursors of grain yield. The finding implies that grain yield and subsequently farmers income can be improved through the application of nutrients in the study area. Among the experimental treatments both on the field and screen house, more number of leaves per plant were recorded under the control treated with $90\mathrm{kg}$ NPK fertilizer but closely followed by treatment $B=120N+50P+40K$, followed by treatment $A=100N+40P+30K$ while treatment $C=70N+30P+20K$ had the least number of leaves per plant. Although, the control treated with $90\mathrm{kg}$ NPK fertilizer produced a greater number of leaves it was discovered that there were no significant differences between the number of leaves on the NPK treatment and A&B treatments for each mode of application.

ii. Comparison of number of leaves under different methods of fertilizer application and site of the experiment in 2020 cropping season

Tables 3&4 showed the number of leaves under different methods of fertilizer application and site of the

experiment (i.e., solid vs foliar and field vs screen+) in 2020 cropping season. The analysis revealed that the number of leaves per plant differed significantly among the different modes of fertilizer application and the site of the experiment. The number of leaves was higher on the plots treated with solid fertilizer applied one week before planting than foliar application 2 and 6 weeks after planting both on the field and in the screen house. This result is similar to Dahiru et al., (2016) in his study on crop growth and mode of nutrients application reported that incorporated fertilizer a week before sowing had superior performance with regards to vegetative traits compare to foliar spray on maize. The significance difference between the two modes of nutrient application was explained by Machado et al., (2011) also had similar finding in their study and explained that organic fertilizer release nutrients slowly and the nutrient might have been washed off by rain even before the nutrients are released and absorbed by plants.

Mean having the same letter across the rows indicate no significant difference using Duncan's multiple range tests at $5\mathrm{\%}$ probability level. Treatments are; A= 100N+40P+30K; B= 120N+50P+40K; C=70N+30P+20K; D=90kg NPK. WAP = weeks after planting

Mean having the same letter across the rows indicate no significant difference using Duncan's multiple range tests at $5\mathrm{\%}$ probability level. Treatments are: A = 100N + 40P + 30K; B = 120N + 50P + 40K; C = 70N + 30P + 20K; D = 90kg NPK. WAP = weeks after planting

d) Maize Plant Height

i. Maize plant height as influenced by nutrient levels

In the study, maize plant height was significantly influenced by the variation in the level of nutrients and mode of fertilizer application (Table 4). The height of the maize plants under each treatment ranged in the following order; with $C=70n+30p+20k$ having the least height. This finding is synonymous with karusus, 2012 who discovered that vegetative growth increased with increased nutrient application.

ii. Maize plant height as influenced by mode of nutrient application

The plants treated with solid fertilizer incorporated in the soil one week before planting

appeared taller than the plants treated with foliar application both on the field and in the screen house. However, the plants on the field have more luxuriant growth than those in the screen house. The height of the maize plants under inorganic fertilizer NPK 15-15-15 were the tallest, but as in the case of number of leaves (Table 3) there were no significant differences in the maize height under $120\mathrm{N}+50\mathrm{P}+40\mathrm{K}$ & $100\mathrm{N}+40\mathrm{P}+30\mathrm{K}$ treatments.

Mean having the same letter across the rows indicate no significant difference using Duncan's multiple range tests at $5\mathrm{\%}$ probability level. Treatments are; A = 100N + 40P + 30K; B = 120N + 50P + 40K; C = 70N + 30P + 20K; D = 90kg NPK. WAP = weeks after planting

Mean having the same letter across the rows indicate no significant difference using Duncan's multiple range tests at $5\mathrm{\%}$ probability level. Treatments are: A = 100N + 40P + 30K; B = 120N + 50P + 40K; C = 70N + 30P + 20K; D = 90kg NPK. WAP = weeks after planting, PLTH = plant height

e) Maize Grain Yield

i. Grain yield on the basis of different nutrients levels

Table 7 shows that after the control of $90\mathrm{kg}$ inorganic fertilizer, treatment B =120N+50P+40K produced the highest total grain yield (4.76 t/ha and 2.81 t/ha) on the field and screen house respectively, this was followed closely by treatment A = 100N+40P+30K with (4.50 t/ha on field and 2.67 t/ha screen house) while treatment C= 70N+30P+20K had the least yield (4.43t/ha on field and 2.72t/ha) in screen house). This finding shows that vegetative growth and grain yield in maize increase with increased nutrient application (karasus, 2012)

ii. Grain yield on the basis of mode of fertilizer application

Table 7 also shows that, the maize grain yield differed significantly among the different modes of fertilizer application. The maize grain yields under fertilizer solid on the field and in the screen, were significantly higher than the maize grain yields under fertilizer spray on both sites. This finding agrees with Machado et al., (2011) who explained that since organic

fertilizer releases nutrients slowly, its application as spray, might encourage washing off by rain even before the nutrients are released and absorbed by plants.

iii. Differences in yield of field and screen

Comparatively, the maize grain yields under fertilizer solid and fertilizer spray in the screen are significantly lower than the yields from the field(Table 5).The implication is that foliar application of organic fertilizer had no influence on yield of maize. Incorporated fertilizer applied a week before sowing had superior performance on maize grain yield. Reason for this could be because of the serious lodging that occurred on the different treatment pots in the screen house. Serious lodging according to Symons et al., (2008) and Banziger et al., (2006) occurs as a result of etiolation (weak stems) of the maize stands due to water stress or abiotic stress such as Nitrogen. When this happens, maize cobs are rendered susceptible to rodent attack and decay which could reduce grain yield. (Ajala et al., 2018), Xu et al. (2017) and Banziger et al. (2006)also reported reduced yield in the screen house compared to the open field.

i. Differences in yields of control and experimental treatments

Quantitatively, the control- inorganic NPK fertilizer produced higher yield than each of the three

organic fertilizer treatments, both as solid or spray, on the field or in the screen house. However, statistically, there was no significant difference between grain yield produced from the recommended 90 kg/ha NPK.

inorganic fertilizer and the $120\mathrm{N}+50\mathrm{P}+40\mathrm{K}$ organic fertilizer when applied under solid mode on the field. The finding implies that the organic fertilizer applied at the

rate of $120\mathrm{N}+50\mathrm{P}+40\mathrm{K}$ competes very well with NPK 15-15-15 and may be used in place of the inorganic fertilizer and still get about the same quantity of output.

f) Economic Performance of Maize

i. Economic performance of maize using different Treatments under solid and spray on the Field

There were variations in the economic performance among the different treatments using solid or foliar fertilizer application on the field. Tables 8 & 9 show that treatments under solid fertilizer application performed better than those under foliar application. The following Net Farm Income were obtained for treatments under solid application; A = 100N + 40P + 30K = #1,543,500 (3,087), B = 120N + 50P + 40K = # 1,733,500 (3,467), C = 70N + 30P + 20K = # 1,475,500 (2,951) and D = NPK 15-15-15 = #1,662,000 (3,324). However, under foliar application on the field the Net

Farm Incomes are; $A=100N+40P+30K=\mathrm{\#}641,000$ ( $1,282),B=120N+50P+40K=\mathrm{\#}676,000$ ( $1,352$ ), This result shows that treatment $B=120N+50P+40K=\mathrm{\#}1,733,500$ which gave the highest net income has the highest economic value especially when incorporated as solid fertilizer one week before planting. The reason for poor economic performance of the different combinations of moringa technology under screen house may have been as deduced by Machado et al., (2011) that organic fertilizer releases nutrients slowly, its application as spray, might encourage washing off by rain even before the plants absorbed the nutrients.

ii. Economic Performance of Maize Under Fertilizer Solid and Foliar in the Screen House

Economic performance of maize under fertilizer application as solid or as spray in the screen house are significantly lower than the performance on the field(Tables 8&9). This finding followed the same pattern as previously discussed under differences in the growth traits and yields between the plants on the field and those in the screen house. Reason for this could be explained by the fact that there was too much lodging of maize plants in the screen house. This led to maize cobs decay which reduced the total yield. Since yield determines sales, it implies that revenue will be low when yield is low and so will be net income.

iii. Economic performance of maize under Organic and inorganic fertilizers using solid approach on the field

Table 8 shows variations in the economic performances of maize under organic and inorganic fertilizers applied as solid on the field. The performance followed the earlier discussions on maize yield and other agronomic traits except that the control (D= the inorganic fertilizer) with the highest yield gave way to treatment B =120N+50P+40K in terms of economic performance. Treatment B had the highest net income because of its low cost. The net income from treatment B =120N+50P+40K stood at N 1,733,500 per hectare while that of control with the recommended dose 90kg/ha of NPK 15-15-15 was N1,662,000 per hectare. Although there was no significant difference between the two. The implication of this outcome is that Moringa /banana / maize mixture (organic fertilizer) at the rate of 120N+50P+40K competes well with inorganic fertilizer and can replace it use conveniently. Also, that the adoption and use of this organic mixture at the recommended rate of 120N+50P+40K will facilitate sustainable income of maize farmers.

VI. SUMMARY

The study was carried out to investigate the possibility of optimizing maize crop production in African order to maximize net farm income of rural farmers using moringa leaves/bananapeels/maize stalk technology. Also, to specifically investigate the effect of different rate of combining the mixtures (treatments) on the growth, yield and net returns of maize with a view of choosing appropriate combination that will maximize net farm income. And to also compare the yield and economic performance of maize on the field and screen house. Four treatments were considered and each represented a technology on field/screen trials conducted in 2021. These include; $A=100N+40P+30K$,

B= 120N+50P+40K, C= 70N+30P+20K and the control using the national recommended dose of 90kg/ha of NPK fertilizer. Results of the study showed that:

1. Application of organic fertilizer in solid form incorporated into the soil a week before planting produced the highest number of leaves, tallest plants, and heaviest cobs on both the field and screen house experiments. The observed variations across the treatments follow the order of $90\mathrm{kg}$ NPK while $70\mathrm{N}+30\mathrm{P}+20\mathrm{K}$ was always having the least.
2. Economic performance of the treatments under solid fertilizer application were better than those under foliar application.
3. Economic performance of maize under the or application as solid or as spray in the screen house are significantly lower than the performance on the field
4. The result of the study showed variation in the economic performances of maize under organic and inorganic fertilizers applied as solid on the field. The inorganic fertilizer applied at the national recommended dose of $90\mathrm{kg}/\mathrm{ha}$ NPK had excellent performance in all the agronomic traits (highest number of leaves, tallest plants biggest grain yield) but failed in the area of net farm income. Treatment B = 120N+50P+40K had the highest net farm income of. $\mathrm{\#}$ 1,733,500 ( $$ 3,352$)whileinorganicfertilizerhadN1,662,000($$ 3,324$ ) both per hectare respectively.

VII. CONCLUSION AND RECOMMENDATION

The outcome of the study revealed that; Moringa-banana peel-maize stalk fertilizer incorporated in the soil in solid form, a week before planting at the rate of $120\mathrm{N}+50\mathrm{P}+40\mathrm{K}$ on the open field provided

sustainable, eco-friendly, and cost-effective alternative to inorganic NPK fertilizer at national recommended rate. On the basis of these findings the use of moringa based fertilizer: $\mathrm{MO}+\mathrm{MS}+\mathrm{BL}$ at the rate of $120\mathrm{N}+50\mathrm{P}+40\mathrm{K}$ was judged more economical in the study area and was recommended for adoption by maize farmers

ACKNOWLEDGEMENT

The author wishes to appreciate the Tertiary Education Trust fund (TETFUND) and the management of Kwara State University, Malete, Ilorin, Nigeria for sponsoring this research. Similarly, the author acknowledges and appreciates the other team members for their tremendous and immeasurable contributions to the success of the study. They are; Prof. Aliyu (Plant breeder)Dr Olowoake (Soil Scientist) and Prof. Subair (Extension Service).