"I would like to use part of the transfer to pay school fees for my child who is in high school. Secondly l would wish to build a pit latrine to improve the health of my family. l would also like to build a house for my son to help the rest of my children to get some where to sleep. Lastly l would wish to open up a business to generate income to sustain my family."

"My happiest part of the day is in afternoon when doing my business and getting some to support my family." (Occupation: Small business)

"My proudest achievement is running a business dealing with groceries, this business has really helped me because I have been able to buy a few goats and household items with money I saved."

"We plan to build a house, buy a ploughing machine for farming and to purchase a motorcycle which my husband can use for business."

"We plan to invest in business, pay dowry, and to buy a second hand motorcycle for business, it's more profitable when I buy my own."

"We have planned to build a house,buy some livestock and set up a small business."

"The biggest hardship I face in life is lack of a good source of income because I would love to be in a position to operate my own business and assist with the financial needs of my family."

"The achievement that I am proudest of is that I was able to buy a piece of land and managed to build my house on it using cash that I got from my fish business and the savings that I had in our local lending and saving scheme." (Occupation: Small business)

"I am planning to purchase my own boat as a fisherman so as to increase my level of income, plaster my house because we have poor quality soil around that does not last when used for smearing and set up a shoe selling business to boost my income."

"I am planning to spend my transfer on expanding my business of selling fish by buying more fish that I can sell at the shores of Lake Victoria, I will spend part of the transfer on paying school fees for my two kids who are in secondary school and the others who are in primary school, I will use part of the transfer on digging a borehole so that I can have water for use in my compound and the remaining amount I will spend on renovating my house and part of it will go to building a toilet." (Occupation: Small business)