"My biggest hardship is lack of capital to start my own business."

"The happiest part of my day is in the evening when I am reflecting on the things that transpired during the day and counting money earned from my motorcycle business."

"I plan to expand my house, venture into business, currently I do small businesses, I want to capitalize on this so that I can be independent. I also plan to buy cattle."

"I plan to build a house for my son, renovate my house, build a toilet and to invest in business."

"I am planning to spend my transfer on paying my dowry as my husband will buy two cows that will be paid to my parents, I have a child who is joining form one next year so I will pay school fees for him,we have a farm that has not been attended to for a very long time and its now bushy so we will pay someone to clear the land for us,I will spend part of the transfer also to buy a motorcycle that my husband will use in moving around whenever he is going to his work of electronics repair and the remaining amount I will spend on starting a small business of shopkeeping."

"We are planning to clear fees for Caroline at a teachers training college so that she can complete her teaching course, after that we shall start a small business, but we have not identified what kind of business to enlarge in."

"The biggest hardship that I face right now is that ever since my spouse died I am the sole breadwinner, my small business is overwhelmed and cannot meet all the demands of my family and they often lack a lot of things." (Occupation: Small business)

"My proudest achievement is having struggled with my business and saving my profits. I have been able to use the saved cash to pay school fees for my children and most have completed secondary school except one who is in his last year at secondary school." (Occupation: Small business)

"I would like to build a permanent house made of bricks because this house is old and also weak.I would also like to venture into quarry business."

"We plan to spend the transfer to buy iron sheets and construct a bigger house. The house is small and has a leaking roof. We also plan to spend the transfer to buy bulls and oxen plough that we will use for agriculture. We also plan to spend the transfer to start a business."