"The achievement I am proudest of is starting and carrying on with my small business of selling vegetables in the local market. " (Occupation: Small business)

"The achievement I am proudest of is paying school fees for my daughter who is due to complete her secondary education later this year. " (Occupation: Small business)

"I am planning to spend my transfer on reviving my charcoal selling business which I used to do before, but is now down. I am also planning to spend my transfer on college fees for my son, who has completed high school, but is yet to join any college due to lack of money. " (Occupation: Small business)

"The achievement I am proudest of is starting my charcoal selling business which I am doing even now. " (Occupation: Small business)

"I used my transfer to buy upholstered sofa (30000), paid a hospital bill (10000) and invested in quarry business."

"I would like to use part of the money to build a new house because we have not changed our house according to the tradition. Secondly l would wish to open up a business to generate income to help support my family. Finally l would like to use the rest of the money to do farming in order to increase productivity for my family."

"I am planning to spend my transfer on sand, ballast and cement so that I can plaster my house, which as yet is incomplete. And since I don't have any steady stream of income, I'm also planning to spend the rest of the transfer on starting a fish mongering business. "

"My life has changed because l now have a spacious house." (Occupation: Small business)

"I spent the entire transfer on boosting stock for my fish selling business."

"Give direct does not require one to save with them before they benefit unlike others who do so" (Occupation: Small business)