"We plan to spend the transfer to boost my business so as to increase our source of income. We also plan to spend the transfer to pay school fees for our children." (Occupation: Small business)

"The biggest hardship that we have faced in life is lack of adequate income to pay school fees for my children." (Occupation: Small business)

"I am proudest that I have been a dedicated father to my children and I have struggled to feed and give them basic education. " (Occupation: Small business)

"I am planning to use my transfer on school fee, I have one child in high school and another in the University. I also plan to expand my fish vending business so as to increase my income and purchase a motorbike to facilitate me with the transportation of products to the market." (Occupation: Small business)

"The biggest hardship I face in life is that I lack money to expand my business so that I can increase my level of income and educate my children." (Occupation: Small business)

"My biggest hardship is I have a problem with my back that needs operation and I can't afford to pay for the operation. " (Occupation: Small business)

"I am planning to build a new house with my upcoming lump-sum payment." (Occupation: Small business)

"I want to extend and plaster my main house with sand and cement and should any amount from the lumpsum payment remains, I would buy a cow." (Occupation: Small business)

"I now do some small vegetable selling business, I do not just stay at home like before. "

"I would like to build a semi-permanent house of 30 iron sheets using my upcoming lumpsum payment." (Occupation: Small business)