"I am planning to spend my next transfer on developing my coffee business. I have been trading coffee but at a small scale due to insufficient funds."

"I will continue with my house expansion in the next transfer. I will also rear goats that I will be selling to get income for my family "

"I am planning to spend my next transfer to start up a business in trading clothes so as to earn a living for my family since i am a widow. I will also build a house for my children because the one we are currently living in is small."

"I am planning to spend my next transfer on buying cows for rearing. By doing so, I will get milk for drinking and also for sell to enable me earn a living."

"I am planning to spend my next transfer on buying a cow for rearing. I will also buy more iron sheets and bricks to add on what I currently have and in that way I will build my house."

"I am planning to spend my second transfer on buying bricks, and paying labourers who will construct my me an iron roofed house so that i can leave the grass thatched am leaving in."

"I have no specific plan for the next transfer however my son who is also my helper will plan for me."

"I am planning use my next transfer on building an iron roofed house since the one am currently living in a small grass thatched house which is not in good condition "

"My biggest hardship in my life is making ends meets.Sometimes l get low yields which when sold is not enough to sustain my family needs."

"My biggest harship in my life is that my level of income is low, l struggle to make ends meet.My family can not have three meals daily."