"Making ends meet is my biggest hardship in my life.l retired from my work as factory foreman, l depend on my business of selling school uniform as a source of income to support my family but at times its not enough." (Occupation: Small business)

"My proudest achievement is owing a house. Previously l was staying in a rented house." (Occupation: Small business)

"The biggest hardship I have is paying college and school fees for my children." (Occupation: Small business)

"Our first plan is to use part of the transfer to contribute tithe to the church and buy furniture. Secondly, we plan to use another part to buy motorcycle because currently, my husband is employed by someone as a motorcycle transporter and what he earns can't sustain us, so we would like to have our own. Lastly, we intend to start a small business for fish selling to boost our income."

"The achievement I am very proud of is that, with savings I made from my casual work, I helped my mother to start a small business of selling grains that is still helping her to-date."

"My first plan is to use part of the transfer to build a bigger house because the current one is smaller. My second plan is to use the other part of the transfer to buy two cows for the dowry of my wife. Lastly, I intend to use the remaining amount to start a small business of selling grains like maize."

"My biggest hardship is that my son has huge school fees balance that he needs to clear before starting his final exams but I lack money to pay for him." (Occupation: Small business)

"I am planning to buy a motorbike.I will use this motorbike for business to get some income and from that I will build my own house."

"I am planning to start a second hand clothes business and pay school fees for my daughter who will be joining secondary school next year."

"I am planning to finish building my incomplete house with my upcoming transfer payment." (Occupation: Small business)