"The biggest hardship I am facing in life is lack of money to provide for my family. My business is of small scale and seasonal. During bad seasons, I suffer a lot as I am unable to feed my children." (Occupation: Small business)

"I plan to save part of the cash transfers to start up a new business. After building my new house, I intend to start a small business from which I will be generating some profit."

"I want to save this transfer so that I will use it to pay school fees for my child joining college in September." (Occupation: Small business)

"I have a new goal of investing in shoe business to enable me generate some income for my family."

"I am planning to spend my transfer on expanding my house and part of it to expand my business. " (Occupation: Small business)

"I have been longing for a house so that I may be able to marry and settle down as a family. I also plan to start up a business after settling down."

"I spent my first transfer to pay school fees of 40,000ugx, i bought two pigs at 70,000ugx. I have the balance of this money and i intend to use it for paying a deposit of a motocycle that will help to transport my family members to hospital incase any body falls sick. Most of the time this motocycle will be doing bodaboda business and it will be a source of income to the family."

"I am planning to spend my transfer on boosting my shop business. Besides, I am also planning to build an iron-roofed house with the remaining amount."

"I am planning to spend my transfer on starting a fish business as a source of income."

"My proudest achievement is having successfully trained as a blacksmith since it currently earns me income to spend on my needs. " (Occupation: Small business)