"My biggest hardship in life is lack of money to pay school fees for my children since I am Hiv positive." (Occupation: Small business)

"My proudest achievement is that l have managed to put up our own house. " (Occupation: Small business)

"I am planning to spend my transfer to buy household items and salon equipment so that I can boost my hair dressing business. "

"I plan to buy building materials like timber,iron sheets,nails and pay labour for my house construction because my house is too small for my big family.I will also use part of it to start livestock selling business."

"I'm planning to spend my transfer on paying school fees for my two children currently in eighth grade and will be joining secondary school next year,secondly I will invest part of it in my vegetables business and lastly use the remaining amount to renovate my current house." (Occupation: Small business)

"My biggest hardship in life is lack of capital to do business and generate income."

"I would like to use part of the money to build my own house since l do not have any house. Secondly l would wish to open up a business to generate income to support my family. Finally l would like to take my wife to tailoring to help get a source of income."

"My biggest hardship in life is lack of capital to expand my business to generate more income to help support my children. " (Occupation: Small business)

"I would like to use part of the money to build my own house since l do not have a shelter. Secondly l would wish to pay dowry to my wife so that she can be back. Finally l would like to open up a business to generate income to sustain my family. "

"The achievement I am proudest of is starting a fish selling business for my wife, which she does to get some income. "