"I spent my token payment on buying a goat and cushions for my chairs.I also payed school fees for my child and started a small business."

"I am planning to spend my transfer on expanding my business of selling fingerlings as I was buying two basins and I would like to increase it to three basins so that I can sell,I also sell sugar in small quantities and if I get the cash I can buy a sack of sugar so that I can sell,I will also use part of the transfer on renovating my house by buying seven bags of cement that I will use in plastering my house and part of it I will spend in building a toilet as I don't have one. I will use the remaining amount in paying school fees for my child who is supposed to join college this year." (Occupation: Small business)

"I am planning to spend my transfer on hiring labor and buying a ploughing machine and a bull that I can use in ploughing my farm easily and I will also use part of the transfer on building a house as the one I have is very small. The remaining amount I will use in starting a small business of selling vegetables like kales, onions and tomatoes."

"I am planning to spend my transfer on building a house as the one we are staying in is very small,my husband will some part of the transfer on paying for my dowry, I will also use part of the transfer on starting a business of selling fish in the market place and the remaining amount we will spend on paying school fees for our children."

"I am planning to spend my transfer on paying school fees for my child who is in secondary school, I will use part of the transfer on finishing the renovation of my house by buying some bags of cement that will be used to plaster the walls and the floor,I will also build a toilet as I don't have one and the remaining amount I will use to start a small business of selling farm produce like beans, maize and kales."

"I am planning to spend my transfer on starting a business of shopkeeping and because we stay close to the lake, we will buy a fishing net that we can use in fishing so that we can sell the fish that we have caught."

"I am planning to spend my transfer on starting a small business of selling vegetables like kales,onions,tomatoes,rice and beans. I will spend part of the transfer on purchasing a mattress and some chairs for my house. I will also use part of the transfer on paying dowry as my husband has not yet paid my dowry."

"The biggest hardship I face now is that my fishing business ran at a loss. It's like am back to square zero."

"The biggest hardship has been educating my children,I have three in high school and one in university and I don't have any proper job to take care of all these." (Occupation: Small business)

"I have planned to set up a business with the first transfer,the second one I will buy some domestic animals and the last one I will use to build a house."