"I am planning to build a bigger house because I have a large family and my current house is small, set up a business that involves the sales of grains such as maize, beans and sorghum."

"I am planning to spend my transfer on expanding my fishing business by buying more nets for fishing, I will renovate my house and make it to be more raised so that I am not affected by flood water from the lake, I will also spend part of the transfer on paying for dowry as I haven't paid dowry yet and the remaining amount I will buy a sheep and a goat for milk and meat."

"I am planning to spend my transfer on buying boats and nets that I can use in my fishing business. Will also buy another piece of land because our land is small and I would wish to have another land that I can do farming activity. I will part of the transfer on buying some sheep and cows that I can keep for meat and milk to supplement my family's diet."

"The achievement I am proudest of is that I was able to buy four goats that I keep using cash that I got from saving and lending scheme in the village." (Occupation: Small business)

"I am planning to spend my transfer on repairing my house because ever since my husband died the house has not been in good shape, I will pay school fees for my children and to invest the remaining amount in my business of tailoring by buying materials."

"I am planning to spend my transfer on buying cows that will be used in paying for my dowry, we will buy a piece of land as the one we currently stay in is very small and the remainder will be used to start a small business of shopkeeping."

"I plan to start a business, pay dowry and to buy household items that I lack."

"I plan to start a business of selling paraffin. It's on demand here and the supply is low. I also plan to fence my compound, it's too open. The rest I will use to pay school fees and to plaster my house with cement."

"We plan to buy fishing materials like fishing net. My husband is a fisherman. We also plan to build a new house. The remainder we will invest in business."

"We have planned to rebuild our house and set up a small business. I will also take my children to school,I have not been able to because I can't buy school uniforms for them"