"I would like to use part of the transfer to pay dowry to my parents . Secondly l would wish to buy cows to help us incase of any emergency. Lastly l would like to open up a business to generate income to sustain my family."

"I would like to use part of the transfer to build a new home so that get our space away from parents. Secondly l would wish to open up a business to generate income to sustain my family. Finally l would like to vurnish our house after building a new home."

"I would like to use part of the transfer to buy oxen to help me do better farming. Secondly l would wish to build a pit latrine to improve the health of my family members. Lastly I would to open up a business to generate income to support my family."

"I have planned to pay school fees for my children and would like to expand my farming business"

"We have planned to build a toilet first,then we would build a kitchen and set up a small business."

"We plan to invest in business, to expand our farming activities by renting land to plant more crops. We have a small piece of land."

"I am planning to spend my transfer on buying two cows that I will use in ploughing my farm, I will also buy five chicken that I can breed and to renovate my house by buying chairs. I will spend the remaining amount in starting a small business of selling cattle."

"I am planning to spend my transfer on going to hospital as I have a fractured bone that needs medical attention but I never had cash for the hospital bill that may accrue,I will buy iron sheets so that I can build a home as I am still in our grandfather's compound and also I will buy a dairy cow so that I can have milk for my family. I will use the remaining transfer to pay school fees for the children that I stay with and also to invest in my hotel business which is in the market place." (Occupation: Small business)

"I am planning to spend my transfer on paying my college fees so that I can advance in my life,I will use part of it to renovate our house that is almost collapsing so that I can go and stay there and I will also start a small business of selling cattle."

"I am planning to spend my transfer on building a house because the house we currently have is in bad state and needs renovation, I will start a small business of selling maize and I will also buy three cows that will be used in ploughing our farm. I will use part of the transfer in renting a farm as the one we have is very small and is not adequate for farming. I will also start a poultry farm. We will use the remainder to settle school fee arrears for our children."