"In the next six months, I plan to buy cows and eat well." (Occupation: Small business)

"My new goal is to buy chicken to start up poultry business."

"My greatest goal is to be able to pay the bridal price for my wife. She went back to their home until the day that I will be able pay her bridal price. Secondly I desire to start a fish business and acquire myself a second hand motor bike that will help me cut down the high cost of transport."

"In the next six months, I expect my life to be better than it is today. I expect to have a business that will enable me acquire some daily income."

"My new goal is to start up a business to help boost my income."

"My new goal is to save and invest in a cereals business at the market so as to sustain my family."

"The new goal I have is to start a small business so that I can have steady income to take care of myself and my children.I will also be able to help my grandmother with the household responsibilities which will greatly reduce the burden on her."

"I have always wanted to expand my small kiosk but I have never had the money to do so, this is the goal I am now building on. To expand my business from a kiosk, to a shop."

"I spent most of the last transfer to pay debt that l had with merry go round group, this debt was really pressuring me. I also spent the transfer to buy mattress since l was sleep on a very small uncomfortable mattress. The remaining balance l spent to pay school fee for my child who was joining secondary school." (Occupation: Small business)

"I spent most of my last transfer to build my own home since l was still staying at my in law's home. I also spent the transfer to buy fishing net which l am using for fishing and to get my income. The remaining balance l spent to buy furniture." (Occupation: Small business)