"I would like to use part of the transfer to buy two oxen for ploughing. Secondly l would wish to plaster the floor of my house to avoid frequent repair. Finally l would like to expand my business to generate more income to sustain my family."

"I would like to use part of the transfer to open up a business to generate income to sustain my family. Secondly l would wish to buy a cow to act as security incase of any emergency. I would also like to build a new home for my family. Finally l would like to buy seats to help my visitors to avoid borrowing."

"I plan to use the transfer to expand my house to accommodate my family. I plan to build a toilet for the family. I also plan to start a small business to boost my income."

"My proudest achievement is that I have managed to save some money that enabled us to build a small iron roofed house." (Occupation: Small business)

"I am planning to spend my transfer on paying school fees for my children, I will also build a bigger house because the one I stay in is in a bad state and its almost falling down. I will also buy a water storage tank as our village has water shortage problem. The remainder I will use in starting a small business of selling cattle."

"I am planning to spend my transfer on constructing a toilet as I don't have one currently and I am forced to use the one belonging to my neighbor, I will also build a bigger house as the one I stay in is very small for my family and I will use part of the transfer to pay school fees for my children. I will use the remainder to start a small business of selling fish in our local market."

"I am planning to repair my house, expand my small business and buy a few household items." (Occupation: Small business)

"I am planning to expand my small business." (Occupation: Small business)

"I plan to build a new house, buy cattle and a ploughing machine for farming, build a toilet and the remainder i will invest in business."

"I have planned to build a kitchen since I don't have one,I will expand my business and build a toilet." (Occupation: Small business)