"I plan to pay dowry, invest in business, buy livestock and household items that I lack."

"I am planning to buy sand, cement, timber, round poles, nails and iron roofing sheets which I will use to build a better house for my family. If there are significant amount of funds remaining I will start a small business for my wife."

"I am planning to buy sand, cement, lime and pay a construction worker who will use the materials to plaster my house. The remaining transfers will be used to increase more capital into my business so that I can increase the quantity of my inventories of plastic items that I sell." (Occupation: Small business)

"The achievement am proudest of is building a home. We are barely a year old in our new home. I feel proud because now am independent with my family." (Occupation: Small business)

"I plan to boost my business activities by increasing stock and building a premise. I also plan to build a kitchen." (Occupation: Small business)

"My proudest achievement is having started a small business selling second hand clothes and the profits enabled me to educate my child up to secondary level. I was also able to build my current house and pay dowry to my in laws using profits I saved, sadly I had to close down the business later on."

"I have planned to plaster my floor,build a toilet and expand my business" (Occupation: Small business)

"The proudest achievement is that I have built my own house through small business."

"The biggest hardship that I face right now is ill health, I run a small business selling books and this is entails alot of walking, if I do not get better soon I might have to close down the business." (Occupation: Small business)

"I would like to use part of the transfer to open up a business to generate income to sustain my family. Secondly l would wish to pay school fees for my son who is in high school. Finally l would like to buy household items for my house."