"We plan to spend the transfer to pay debts that I owe. 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 build a kitchen. We also plan to spend the transfer to buy oxen plough and two bulls for ploughing."

"I would like to use part of the transfer to do poultry farming to generate income to support my family. Secondly I would wish to open up a business to generate income to support my family. Finally l would like to use the rest of the money to pay school fees for my children."

"I have planned to set up a better business" (Occupation: Small business)

"My proudest achievement is having struggled a lot since my spouse passed away and after engaging in various forms of business, I have been able to save money and used my savings to educate my children up to secondary school. I also managed to build my own homestead, as my spouse died when we did not have our own homestead."

"I am planning to buy materials which will be used to build a better house for my family and buy some livestock like cows, goats and sheep. I also intend to revive my former business, I used to buy fish from the lake at wholesale prices and later retail the fish at our local market, but my business failed, I therefore intend to use part of the transfers as capital in order to revive the business."

"We plan to spend the transfer to start a business that would provide us with income. We also plan to spend the transfer to buy livestock. We also plan to spend the transfer to buy household items like furniture and beddings being that we currently sleep on a mat on the floor."

"We plan to spend the transfer to expand our house for more space. We also plan to spend the transfer to boost my business by adding more capital base so as to increase the profit margin. I am involved in the sale of second hand clothes. We also plan to spend the transfer to buy a bull that we will use during ploughing to reduce the cost of farming."

"I plan to use my transfer to boost my tailoring business by increasing stock of materials so that I can earn more profit. I also plan to buy another sewing machine that someone can help me with when I have a lot of work."

"My proudest achievement is having saved my earnings from my small business. I sell fish at our local market and I managed to save most of my profits and eventually managed to buy a goat which I hope will give birth to even more goats." (Occupation: Small business)

"I am planning to inject more capital into my cereals business, I will use part of the transfers to increase the quantity of maize that I buy and sell. I also need to buy some dairy cows which I will rear and sell any surplus milk I get." (Occupation: Small business)