"The achievement I am very proud of is, having been able to pay school levies for my two children in academy school, using savings from my small business." (Occupation: Small business)

"My main intention is to use the transfer on building an outside kitchen for my family because currently l am cooking in the house and the ventilation is poor.Then l will use part of the the transfer on plastering my main house floor.Lastly,I will use the remaining amount on boosting my sisal rope making business." (Occupation: Small business)

"My first plan is to use part of the transfer to start a second-hand clothes selling business for family income. Secondly, I plan to use another part of the transfer to start a local poultry keeping activity. Lastly, I intend to use the remaining amount to pay school levies for my three children in primary school."

"My first plan is to use part of the transfer to start a second-hand shoes selling business. Secondly, I intend to use another part of the transfer to build a toilet. Lastly, I plan to use the remaining amount to pay school fees for my child whom I expect to join secondary school next year."

"My main plan is to start up a poultry rearing project,start a small business to help the family with income generation and lastly buy some few livestock to raise."

"The biggest hardship currently is on paying school fees for my two grandchildren in secondary school. " (Occupation: Small business)

"Our first plan is to use part of the transfer to complete this our house. Secondly, we intend to use another part of the transfer to build a toilet. Lastly, we plan to use the remaining amount to start a vegetables-selling business for family income. "

"Our first plan is to use part of the transfer to build a bigger house, because this one is too small. Secondly, we intend to use another part of the transfer to buy two cows, that would provide us with milk, and would also be as an investment for our family. Lastly, we plan to use the remaining amount to start fish-selling business, for family income."

"Firstly, we plan to use part of the transfer to build a bigger house because, this one is small. Secondly, we intend to use another part of the transfer to buy two cows, that would provide us with milk. Lastly, we plan to use the remaining amount to start a vegetables-selling business for my wife for family income. "

"The biggest difference in my daily life is that I have boosted our family business and we now get double the profits we use to earn."