"I plan to spend the transfer to plaster my house. I also plan to spend the transfer to buy furniture. I also plan to spend the transfer to boost my business. I sell maize." (Occupation: Small business)

"The achievement I am proudest of is that we have been able to buy two goats using money that we got from fishing business."

"I am planning to spend my transfer on expanding my business of tailoring, I will build a house at home so that I stop stay at the market centre, I will use part of the transfer to buy a motorcycle so that I can use it for transport and the other part I will use to pay school fees for our kids who are in nursery school."

"I am planning to spend my transfer on starting a new business of selling cereals, I will spend part of the transfer on paying school fees for my children and the remaining amount we will spend it on food, clothes and to build a house that has three rooms."

"The achievement I am proudest of is that I have been able to take my kids to school up to college level using my own cash that I got from my farm business."

"The achievement I am proudest of is that we have been able to build a house of our own using our own cash from small business that we have been doing."

"I am planning to spend my transfer on buying furniture for my house as my house lacks furniture, I will buy food for my family, I will pay school fees for my child who is joining form one in a local secondary school and the remaining amount I will use to start a small business of selling household items like basins, cups and plates."

"The happiest part of my day is in the evening when I manage to make profit from my small business. I always feel happy when this happen to me because it is a source of my livelihood." (Occupation: Small business)

"The biggest hardship that I have faced in life is hunger. I have many dependants and my income is low. Life has been harsh to me because I can't adequately provide for my family. Sometimes we have to spend without having meals so as to make ends meet." (Occupation: Small business)

"The happiest part of my day is in the evening when I manage to get profit from my small business. It makes me happy because I use the profit I get to buy food for my children." (Occupation: Small business)