"I'm planning to build a larger iron roofed house because my current house is too small. I'm also planning to pay my high school son fee with the remaining portion." (Occupation: Small business)

"I plan to start a business so that I may be able to raise money for school fees for my child who is completing primary education this year. I also hope to buy cattle for milk and oxen for ploughing my piece of land."

"I bought bed worth 4,500, I also bought mattress worth 2,500 and rest I used boost my business."

"I plan to extend my house to make it more spacious, and buy cement and cement the floor and walls of my house." (Occupation: Small business)

"I plan to replace my roof with new ironsheet, buy and fix new metal windows and a door. I also hope to buy cement and cement the floor and walls of my house." (Occupation: Small business)

"I'm planning to build a new spacious iron roofed house with a portion of the transfer because my current house is too small while the rest I'll pay my son in high school fee." (Occupation: Small business)

"I built an iron roofed house, but did not finish because I ran out of money. I therefor plan to buy cement and cement the walls and floor of my house and give it a good finish." (Occupation: Small business)

"I would like to use part of the transfer to pay school fees for our children. Finally l would wish to expand our business to generate more income." (Occupation: Small business)

"I would like to use part of the transfer to cement my house because avoid frequent maintance. Secondly l would wish to open up a business to generate income to sustain my family. Finally l would like to pay school fees for my child who is in high and at times she is forced to stay at because of lack of school fees."

"The biggest hardship that I face right now is lack of enough money to pay school fees for my children who are in primary school, if I am unable to raise the required fees they may drop out of school." (Occupation: Small business)