"We plan to use our transfer on paying school fees for our child in form one, build a new house and use the remaining amount to start a poultry business." (Occupation: Small business)

"I'm planning to spend my transfer on paying school fees for my children in primary school, invest part of it on horticultural farming and lastly use the remaining bit to start a small foodstuffs business. "

"The happiest part of my day is in the afternoon when I'm at my place of business trying to make sells as I interact with my customers. "

"Yes,my new goal is to start a business which will enable me get some income to sustain my family." (Occupation: Small business)

"Firstly, we plan to use part of the transfer to start a fish-selling business. Secondly, we intend to use another part of the transfer to replace the iron sheets on the roof of my kitchen, with new ones, because the roof normally leaks, when it's raining. Lastly, we plan to use the remaining amount to buy and install steel windows, and the main door of our house." (Occupation: Small business)

"My first plan is to use part of the transfer to start a second-hand clothes selling business, for income generation. Secondly, I plan to use another part of the transfer to build my house. Lastly, I plan to use the remaining amount to buy furniture for my house."

"The biggest hardship we have faced is, paying school fees for our child in secondary school." (Occupation: Small business)

"The achievement we are very proud of is, having bought a water pump, that we use to irrigate our farm where we plant trees, to sell in future for income. " (Occupation: Small business)

"My first plan is to use part of the transfer to fence my home for security. Secondly, I plan to use another part of the transfer to pay school levies for my two children in primary school. Lastly, I plan to use the remaining amount to start a small business of selling doughnuts for my family income and sustainability. "

"Firstly, we plan to use part of the transfer to build a new house, because this one is in a bad condition. Secondly, we intend to use another part of the transfer to plough our farms. Lastly, we plan to use the remaining amount to start a grain-selling business."