"I are planning to buy materials to be used to build a better house for our family, some of the money I will pay as fees for a driving course my husband is planning to undertake and finally I intend to use part of the transfers as capital for a small business but I am yet to decide what kind of business I should engage in."

"The biggest hardship that I face is diminished returns from my business, this means that I continually find it difficult to pay school fees for my children and I fear that some of them will drop out of school."

"l bought bedding , l bought uniform , l also started a small scale business."

"l plan to pay school fee , l also plan to buy a steel door and plaster my door." (Occupation: Small business)

"I plan to spend the transfer to pay school fees for my son in high school. I also plan to spend the transfer to buy bulls and oxen plough that I will use during ploughing. I also plan to spend the transfer to expand the size of my house to accommodate my big family. I also plan to spend the transfer to revive my earlier business of selling fish."

"I plan to spend the transfer to construct a bigger house and plaster it. I also plan to spend the transfer to pay school fees for my daughter in high school. I also plan to spend the transfer to boost my business."

"l plan to pay school fee , l also plan to expand my house and also build a toilet." (Occupation: Small business)

"I plan to boost my business, I repair motorbikes and also sell spare parts. I also plan to build a home." (Occupation: Small business)

"I plan to build a house, this is a priority because we are homeless. I also plan to invest in business, of selling second hand clothes."

"I plan to renovate my house, build a toilet and to invest in business."