"I would like to use part the money to expand my business to generate income to help support my children. Secondly l would wish to build a new house because my house is in a very bad condition. Finally l would like to use the rest of the money to pay school fees for my daughter in high school and my son who is joining form one next year."

"I would like to use part of the money to expand my house because it is very small to comfortable accommodate my family. Secondly l would wish to buy household items for my house. Finally l would like to use the rest of the money to expand my husband's livestock business."

"I'm planning to invest my transfer on poultry rearing project ,building a kitchen since I have non and use the rest to boost my vegetables business." (Occupation: Small business)

"I am planning to spend my transfer on building metal house to shift from grass thatched house, the remaining balance I will use it to start store business of buying and selling maize and coffee."

"Having built this my house, with savings from my small business, is the achievement I'm proudest of."

"Our first plan is to use part of the transfer to pay school fees for our two children, who are in secondary school in forms three and four. Secondly, we plan to use another part of the transfer to build a house, because this one is in a bad condition. Lastly, we plan to use the remaining amount, to boost the stock of my business." (Occupation: Small business)

"Having bought a piece of land, where I intend to build a house, is the achievement I'm very proud of." (Occupation: Small business)

"My proudest achievement is constructing a house and this was from my small business."

"My proudest achievement is starting a small poultry business that I hope to sustain my family."

"I am planning to spend my transfer on finishing my house to make it more comfortable to live in and the remaining balance to invest in my small business of charcoal burning and selling." (Occupation: Small business)