"The biggest hardship I have faced is, lack of capital to start a small business."

"I have surely labored to educate my children ever since my husband passed away, It has been hard to let them be who they are today and I thank God for making one to clear her high school though the burden of raising the rest is still heavy on me." (Occupation: Small business)

"I am planning to use the transfers in starting up some small business for food kiosk, I wish to buy my children clothes, buy cattle for rearing and to furnish my house." (Occupation: Small business)

"My proudest achievement is that I have paid back the loan I borrowed from a bank and now own a shop that I invested the money on. " (Occupation: Small business)

"I plan to expand my business of selling fish. This will increase my daily earnings. With the rest of the transfers I plan to build a spacious house that can accommodate my family and visitors. " (Occupation: Small business)

"The achievement I am proudest of is that, when I was doing business I managed to buy household utensils. "

"The biggest hardship I have faced was losing my only cow, I had to save to buy it. " (Occupation: Small business)

"We are planning to spend first transfer on buying household utensils and food, planning to spend second transfer on buying a cow an the remaining to building material for our house expansion and on final trasfer we are planning to start a second hand clothes business. "

"I plan to use my transfer in doing farming to boost my earnings and also expand my phone charging business. "

"I spent my second transfer to plaster my mother inlaw's house. She is old and was staying in a mud house. I also spent part of the transfer to construct my kitchen. Now i have a separate house to prepare meals from.Some part of the transfer i used to boost my business of selling handbags and shoes." (Occupation: Small business)