"The biggest hardship I am facing in life is financial distress because my spouse does not have a reliable source of income and I operate a small business which does not help much because of the burden of school fee." (Occupation: Small business)

"I am planning to use my funds to boost my business so I can earn more income, start poultry farming because it has good returns, and plaster my house in order to get rid of dust and dangerous insects."

"I am planning to use my money to build a house because I am homeless, rear livestock and boost my charcoal business. I also want to invest in farming by purchasing seeds and fertilisers so as to realize good harvest."

"I have planned to pay dowry for my wife,I will set up a business and I will go for medical check up."

"I am planning to spend my transfer on buying a donkey that we can use in fetching water for people at a fee, I will also buy iron sheets that I will use in building a bigger house as I will also buy cement and sand that will be used in building the house. I will use part of the transfer on starting a small business of selling cooking oil in small quantities at our local market."

"I am planning to spend my transfer on contributing tithe in church using part of the first transfer, I will spend part of the transfer on paying school fees for my children and part of it also I will buy chicken so that I can start chicken farming and when I get the second transfer I will spend it on reviving my business of selling clothes and part of it I will spend on paying school fees for my children again. The final transfer I will spend on paying college fees for my son who cleared high school so that he can train as a teacher."

"I plan to spend the transfer to start a business to boost my income sources. I also plan to spend the transfer to construct a house for my family. I also plan to spend the transfer to pay school fees for my son in high school."

"I am planning to use my transfer to plaster my house in order to reduce the cost of frequent smearing due to the poor quality soil around. I also plan to boost my shoe selling business that went down due to my spouse's ailment. " (Occupation: Small business)

"The biggest hardship I face in life is being a single parent to my two children. I have been a victim of divorce twice and that has affected my physical and emotional health. " (Occupation: Small business)

"I have planned to set up a business,then I will plaster my house and buy some few livestock to keep."