"I plan to pay school fees, invest in business and to build a home. I live in a tin roofed house which is leaking, it gets so frustrating during rainy seasons."

"I plan to do finishing touches on my house i.e installing steel doors and windows, cementing and perhaps expanding it. I also plan to invest in business and to pay school fees."

"I plan to build a house, invest in business and to buy livestock, mainly goats and cows."

"Our proudest achievement is that we have managed to enroll our children in private schools that perform better because of the small business we engage in." (Occupation: Small business)

"We are planning to build a house because we are homeless, set up a fish vending business so we can earn better income and legalise our marriage by paying dowry."

"The biggest hardship I face in life is that my income isn't sufficient to feed and educate my children." (Occupation: Small business)

"I am planning to buy sand, cement, timber, round poles, nails and iron roofing sheets which I will use to build a pit latrine and plaster my house. The remaining transfers will be used to start a small hairdressing business." (Occupation: Small business)

"I am planning to build my own house, boost my business by adding stock of products so as to earn more profit, pay school fee for my two children and buy a dairy cow that in further can be sold in case of an emergency." (Occupation: Small business)

"The biggest hardship I face in life is that I lack money to revive my electronic shop which collapsed due to capital." (Occupation: Small business)

"My proudest achievement is that I have a family and a business that I get daily income from. I lost my parents at childhood and what I own today is the product of my own strength." (Occupation: Small business)