"I plan to spend the transfer to buy building materials that I will use to construct my own iron roofed house. I also plan to spend part of the transfer to buy furniture. I also plan to use the transfer to start a business."

"I am planning to use my transfer on fish vending business. I am a motorcycle rider and I have learned that fish vendors are financially stable and I'd like to be like them."

"I plan to pay school fees, build a new home and to invest in business."

"I plan to build a new home and to invest in business." (Occupation: Small business)

"The happiest part of my day is when I go to the market around midday. I run a small business there." (Occupation: Small business)

"We have planned to build a bigger house since our house is small,we would also use part of the money to invest in a small business."

"I have planned to pay school fees for my son and the remaining money I will boost fish business."

"The biggest hardship is that I have no proper job so keeping all my children in school at the same time is very difficult." (Occupation: Small business)

"My proudest achievement was having had a small business where I used to cook and sell snacks and with the profits I managed to buy quite a number of chickens and rear them."

"We are planning to spend the transfer on starting a business and paying of school fees to our children ,one is in form three and other two in primary school."