"We plan to build a house. Currently we live in my late brother in law's house. We also plan to invest in business."

"My biggest hardship is lack of access to proper source of income,and for this reason,there are days I cannot afford a meal nor raise school fees." (Occupation: Small business)

"I am planning to buy an oxen plough and two bulls that can plough my farm because it is much faster compared to using a hand hoe. I am also planning to start a business of buying and selling first hand shoes."

"My proudest achievement is that I managed to switch from a grass thatched house to an iron-sheet-roofed house." (Occupation: Small business)

"My proudest achievement has been to provide basic needs for our children and see them go to school." (Occupation: Small business)

"I plan spend the transfer to revive my business which closed down some years a go after making huge losses. I also plan to spend the transfer to expand my house to accommodate my family. I also plan to spend the transfer to pay school fees for my children."

"I would like to use part of the transfer to pay school fees for my daughter who is in form two and has fees problem. Secondly l would wish to open up a business to generate income to sustain my family. Finally l would like to build a new home so that I can be fully independent."

"I am planning to use my transfer on my son's secondary education, start up food grain business where I can earn some income and save the rest in our table banking group to increase my chances of getting bigger loans."

"I am planning to spend my transfer on building a toilet, I will spend part of the transfer on expanding my house by building a bigger one and the remaining amount we will spend on starting a business of mining building stones as our area has a lot of stones that are being harvested from quarries and I think we can venture into that business to earn extra money."

"We plan to build a house, buy furniture and beddings and to boost our business." (Occupation: Small business)