"My biggest hardship is that I have spent a lot of money to treat my chest pain and now I have ran short of funds hence I have closed down my business."

"First, I am planning to plaster my floor because I want to do away with dust born diseases that is really affecting me in my house.Secondly,I am planning to improve my shop business by increasing stock so that I don't run out of stock immediately."

"I am planning to use my transfer on scaling up my farms and use the remaining amount to boost my small business."

"We are planning to spend our transfer on the following; building a better, bigger house,paying school fees for my children of which one is in form one right now and lastly use the remaining bit to start up a small business for income generation to help in sustaining my family."

"We are planning to use our transfer to buy another motorcycle to help boost our transport business..The motorbike I own currently is second hand and beaks down more often."

"I am planning to spend my upcoming lumpsum payment on building a big house because what I have is small. I am also planning to start a business to help me earn some more income."

"I am planning to spend your upcoming lumpsum payment on building a pit latrine, buying cement for plastering my house and buy livestock’s. I will also build a small kitchen, buy a solar panel, and start a business."

"The achievement I am proudest of is that I managed to educate my son in secondary school and he has completed his A level of education and right now he is waiting to join college." (Occupation: Small business)

"I would like to use part of the transfer to open up a business to generate income to support my family. Secondly l would wish to build a new house which is more permanent than the one I currently have."

"We plan to spend the transfer to plaster our house. We also plan to spend the transfer to buy steel doors and windows which we will fit into our house. We also plan to spend the transfer to start a business to diversify our sources of income. We also plan to spend the transfer to buy a cow."