"The biggest hardship I have faced in life is lack of adequate income to take care of myself and my family. " (Occupation: Motorcycle or bicycle taxi)

"The achievement am proudest of was being able to go through high school.My parents died while I was young and sometimes I had to do manual jobs to pay fees." (Occupation: Motorcycle or bicycle taxi)

"The achievement I am proudest of is that, I used to stay in a small grass thatched house but now through my table banking savings in our self-help group, I managed to build a bigger semi permanent house that now accommodates me and my family." (Occupation: Motorcycle or bicycle taxi)

"My happiest moment is in the evening when am done with my motorcycle taxi business and I get back home to be with my family. Seeing my household sit down sharing a meal after a hard days work really makes me happy."

"Buying my own motorcycle is the proudest achievement I have ever had. Before I used to hire bikes so as to ride but since i own mine, I am able to raise enough income for my family" (Occupation: Motorcycle or bicycle taxi)

"The achievement I am proudest of is when I bought a motorcycle from small scale farming. I employed someone to operate it commercially and would earn a living from that. I am very proud of that."

"Currently I do not have any new goal." (Occupation: Motorcycle or bicycle taxi)

"At the moment I do not have any new goal but I am building on the previous ones I have always had,to join college and pursue a degree." (Occupation: Motorcycle or bicycle taxi)

"Currently, I cannot see so much difference worth commenting at the moment." (Occupation: Motorcycle or bicycle taxi)

"I spent most of the last transfer to build my own home since l was staying at my brother's home where l was not comfortable mostly to do my personal development." (Occupation: Motorcycle or bicycle taxi)