"We are planning to pay school fees for our child who is joining secondary school this year and the rest of the transfers we will use to start a small business dealing in second hand clothes"

"I am planning to buy iron sheets, cement, nails and wood, these we will use to construct a house. We will then use the rest of the transfers to start a small business or kiosk in order to get some income."

"I am planning to buy a mattress for my spouse,cushions for my chairs and pay school fees for my children. The second transfer I will use to buy materials to be used to build myself another house and also purchase a cow, the last transfer I will use to start a small business and also pay school fees."

"I am planning to spend my transfer on paying school fees for my two children who will be joining secondary school this year, I will use part of the transfer on buying a motorcycle that I can use for transport business so that I can earn extra income and the remaining amount I will spend on building a toilet as currently I don't have one."

"The biggest hardship that I face in my life is that getting food for my children and clothes for them to put on is a problem because my income is very low and the groceries that I sell at times don't have a ready market." (Occupation: Small business)

"I am planning to spend my transfer on investing on my business of selling fish and also start a business of brick making so that I can earn more cash, I will also fence my farm so that I prevent cows and hippos from invading my farm and destroying my crops and also to start a business of rearing chicken for sale. I will use part of the cash to pay school fees for my children who are in college,secondary school and a local primary school." (Occupation: Small business)

"I have planned to go back to college and get some basic training so we can get proper jobs,then we will set up a small business with remaining money."

"I have planned to pay school fees and get a motorcycle to set up a piki business."

"The achievement I am proudest of is that I am a widow and I work hard in my small business of selling grains and fish thereby enabling me to take care of the large family that I have which include kids that were left behind by my son and his wife who had died." (Occupation: Small business)

"I have planned to set up a business since at the moment I don't have a job."