"I am planning to spend my transfer on building a house because the house we currently have is in bad state and needs renovation, I will start a small business of selling maize and I will also buy three cows that will be used in ploughing our farm. I will use part of the transfer in renting a farm as the one we have is very small and is not adequate for farming. I will also start a poultry farm. We will use the remainder to settle school fee arrears for our children."

"I plan to boost my hotel business because it's not very stable. The rest i will use to pay school fees for my children." (Occupation: Small business)

"The biggest hardship I have is lack of a steady source of income to enable sustain my family's basic needs." (Occupation: Small business)

"I am planning to buy chairs with the first transfer. The second transfer I will use to repair my house and buy oxen to use when ploughing my farm. The third transfer I will use to start a small business?"

"I am planning to start a small business with the first transfer. The second transfer I will use to enlarge my house and the third transfer I will use to buy livestock."

"My spouse and I are planning to build a house, buy chairs and hopefully if any cash remains we can start a small business."

"I am planning to expand my house so that church visitors can fit in whenever they visit, pay dowry, pay my college fee and expand our doughnut business."

"I am planning to expand my shop business, expand my house to accommodate my family and visitors, and buy tools for quarry mining."

"I am planning to set up a shop business that will generate some income for my family.I'm also planning to send my daughter to school,she is supposed to join form one this year hence I have to prepare adequately."

"I am planning to renovate my house by adding some more extra rooms inorder to make it spacious. I'm also planning to expand my catering business since it's my main source of income. Lastly,I'm planning to buy some cows that will keep me busy as I take care of them."