"The proudest achievement is that now I have a semipermanent house which is better off than the one I had before." (Occupation: Small business)

"I am planning to spend the transfer on improving my business as a trader."

"Having maintained this my retail shop business, which I inherited from my grandmother and has been our main source of income, is the achievement I'm proudest of."

"We have planned to buy building materials with the first transfer,then the second transfer we will use to build our house and the last transfer we will use it to set up a small business and pay school fees for our child who is about to join high school."

"I have planned to pay school fees for my children and to expand my business." (Occupation: Small business)

"My proudest achievement is that I have managed to take my child up to secondary school through the small business that I do." (Occupation: Small business)

"Our first plan is to use part of the transfer to start a small business of selling second-hand clothes. Secondly, we plan to use another part of the transfer to buy a cow that would provide us with milk for family use. Finally, we intend to use the remaining amount to pay school levies for our three children in primary school."

"The achievement I am very proud of is, having bought a cow, using savings from my shop, that is now providing us with milk for family use, instead of buying. " (Occupation: Small business)

"I am planning to use the transfer on expanding my food snacks business by buying more stock.This will increase my profits.Then l will use the remaining amount on renovating my house by plastering it with cement." (Occupation: Small business)

"Having built this our house , with savings from our small business, is the achievement we are very proud of, because we used to stay in a grass-thatched house that used to leak when it was raining." (Occupation: Small business)