"I would like to use part of the transfer to buy oxen to enable me plough my farm since that is the only source of income we have. Secondly l would wish to expand my house because my house is small . Finally l would like to open up a business to generate"

"I would like to use part of the transfer to open up a business to generate income to sustain my life. Secondly l would wish to build a bigger house because my house is very small. Finally l would like to buy a cow to incase of any emergency."

"Lack of proper capital to do better business." (Occupation: Small business)

"My proudest achievements are that l have struggled to take my children to shool and also educated my children." (Occupation: Small business)

"I would like to use part of the transfer to build iron roofed house because we do not have a house. Finally l would wish to open up a business to generate income to support my family."

"The achievement am proudest of is this business I run, I started small but now am expanding." (Occupation: Small business)

"I plan to build a new house, household items that I lack, pay school and the remainder to invest in some small fish business."

"We plan to plaster our house, the walls and floor, buy cereals in bulk like maize and beans, we also plan to start a small business."

"I am planning to spend my transfer on buying furniture, beddings, to expand the house by building a bigger one, to pay school fees for my children and also to pay dowry for my wife. I also planning to start a business of selling fish and domestic animals"

"I am planning to spend my transfer of paying school fees for my children, I will renovated my house and also spend part of it in increasing stock in my small business. I will also spend part of the transfer in building a kitchen and to buy a goat." (Occupation: Small business)