"Our first plan is to use part of the transfer to build a bigger house with two rooms. Secondly, we intend to use another part of the transfer to buy furniture. Lastly, we plan to use the remaining amount to start grain-selling business."

"Our first plan is to use part of the transfer to build a bigger mud house with three rooms. Secondly, we intend to use another part of the transfer to boost the stock of my small business, by stocking more items like sugar, milk, flour and others. Lastly , we plan to use the remaining amount to buy a cow, that would provide us with milk, and also a bull, as an investment for our family."

"Inadequate resources, due to unreliable source of income, to build a bigger house, is the biggest hardship we have faced" (Occupation: Small business)

"I have plans of using the transfer to construct a kitchen to prepare meals in, I wish to buy some two cows, pay school fees and to raise my business- I used to sell rice before that business went down. "

"I am currently facing hardship in paying school fees for my children as economy has gone high and ways of sourcing for money are also limited and diminishing. " (Occupation: Small business)

"I plan to spend this transfer to cement my floor, to buy household items because I do not have alot of household items.I also plan to pay school fees for my children and if part of the money remains,to start a small business."

"The happiest part of my day is when doing my business.I get to interactcwith many people and this is my happiness." (Occupation: Small business)

"I plan to do big three things that I believe will benefit me. First,to build a house because we do not have a house of our own we use one of the structures that we have been given.Secondly,I want to buy few cattle and lastly,use part of the money to learn some work skills and my wife to start a salon business since she has the skills."

"I plan to spend the transfers towards paying school fees for my children in forms four and one, and the the rest in primary school. If some remain I will use as capital to start a business for a stable income source. "

"I plan to spend the transfers on starting my own business for a stable source of income to support the needs of my family especially education. "