"I spent my first transfer on starting a business of selling second hand clothes so as to get income to feed and provide for my family."

"If i get the upcoming transfer,i will use it to construct a kitchen. My current kitchen is grass thatched. I also planning to start a fish mongering business." (Occupation: Small business)

"When I received my first transfer I spent it wisely; I revived my fish business, which had collapsed due to lack of adequate income. The business has picked so well and we are happy. Besides, we never had adequate clothes for my household members and therefore the rest of the transfers went to buying clothing and this has been keeping us warm." (Occupation: Small business)

"Am planning to spend my upcoming transfer on constructing a new house and start a small scale cereal business for my daily income."

"I am planning to spend my upcoming transfer on buying chairs, buying a bed, and paying school fees for my children" (Occupation: Small business)

"I'm planning to spend my upcoming transfer to build a nice and a better kitchen so as to cook on a better place . I will also spend the remaining transfer to pay for my college fee." (Occupation: Small business)

"My major goal is to enroll my wife, who dropped out, in a college after I was retrenched from my job since I never had an income. And I am planning to use my upcoming second transfer for this." (Occupation: Small business)

"I am planning to spend my upcoming transfer on building a new house, buying a cow and starting a small business that will act as my source of income"

"I spent my first transfer to buy a suitcase for keeping my clothes. The one i had had gotten old. I also spent some part of the transfer to buy a tile for my husband's motorbike for his taxi business." (Occupation: Small business)

"I spent my upcoming transfer on buying one sack of maize, clothes, food and I also added some to my vegetable business"