"The biggest hardship that I face in my life is that fish stock has reduced in the lake so it is really difficult to get money from the fishing business."

"I am planning to spend my transfer on building a bigger house that can accommodate my whole family as we are a big number, I will spend part of it to take my daughter to secondary school as she past her exams and I still don't have cash to pay for her school fees and the remaining amount I will use to start a new business of selling maize as my current business is not doing very well." (Occupation: Small business)

"I am planning to spend my transfer on buying four cows and two goats, I will renovate my house so that it can withstand floods when it rains and the remaining amount I will use to start a fish selling business."

"The happiest part of my day is when am doing my business and get some money to keep us going"

"I have planned to take my children through school and part of it I will set up a small business"

"I have planned to set up a small business to support my family"

"I plan to spend the transfer to construct a bigger house. I also plan to spend the transfer on school fees for my children in high school. I also plan to use part of the transfer to buy household items like furniture. I also plan to use the transfer to start a small business."

"The happiest part of my day is in the evening when I manage to get profit from my business. I sell Kales to the locals and I feel happy when I make good profit."

"The achievement I am proudest of is that I have been able to take children to school including orphans that I stay with till some of them have cleared college using cash from my business of selling vegetables and savings."

"My biggest hardship has been to raise capital that can enable me set up my own business."