"I am planning to spend my transfer on cement and sand so that I can plaster the walls and floor of my house. I am also planning to construct a poultry house in my compound, buy some chicks, and start a poultry rearing business to get more money. " (Occupation: Small business)

"I am planning to spend my transfer on increasing the volume or stock of my business of selling second hand clothes. " (Occupation: Small business)

"The cash that I generate from my small business now helps me to fully fend for my family, not as before when I used to save so that I may one day construct a house."

"I was not having any seats in my house or even a proper bed to sleep on, but now I have enough seats for my family and also visitors who come to my house." (Occupation: Small business)

"My biggest hardship in life is lack of money to pay school fees for my children due to low source of income." (Occupation: Small business)

"I would like to use part of the money to pay school fees for my daughter who is in forth form. Secondly l would wish to plaster my house because our area is prone floods which really affect our house. Finally l would like to use the rest of the money to expand my business. " (Occupation: Small business)

"I would like to use part of the money to cement my house to avoid frequent repair. Secondly l would wish to pay school fees for my children. Finally I would wish to open up a business to generate income to support my family. "

"My biggest hardship in life is unreliable source of income to educate my children. " (Occupation: Small business)

"I would like to use part of the money to cement my house to avoid dust and improve my health. Finally Iwould wish to expand my business to generate more income to sustain my family. " (Occupation: Small business)

"I would like to use part of the money to pay school fees for my children. Secondly l would wish to cement my house to improve my living standards. I would also like to pay dowry to parents since my husband had not gone to my parents. Lastly l would like to open up a business to substitute my husband's source of income."