"I am planning to spend my transfer on building a house as to shift from my father's compound and the remaining balance to boost my business of buying and selling coffee."

"Our first plan is to use part of the transfer to pay college fees for our two, one in university and another one in medical college. Secondly, we intend to use another part of the transfer to buy a cow, that would provide us with milk for family use. Lastly, we plan to use the remaining amount to start a small business of selling grains."

"The biggest hardship we have faced is, inadequate income to start a small business."

"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 three cows, that would be as an investment for our family, and also provide us with milk. Lastly, we plan to use the remaining amount to boost our small business of selling fish."

"My biggest hardship was losing my husband who was our breadwinner and we have not been able to get back on our feet up to now." (Occupation: Small business)

"We have planned to buy a piece of land where we will go and build our permanent house,we also plan to set up our own business." (Occupation: Small business)

"The biggest hardship has been educating my children since the money I make is very little to take care of fees,which makes them to drop out at some level." (Occupation: Small business)

"My proudest achievement is that I have worked hard to educate my children despite most of them passing away." (Occupation: Small business)

"We have planned to invest on farming,we will also use part of the money to expand our business and pay school fees for our children."

"Being able to pay fees for my son who is sitting for his form four examination this year is my biggest achievement. I was able to pay his fees through hawking rice business in Ahero town." (Occupation: Small business)