"I plan to use the transfer to expand my business. I also plan to use part of the transfer to pay school fees." (Occupation: Small business)

"The happiest part of my day is in the evening when I manage to get profit out of my business." (Occupation: Small business)

"I plan to use the transfer to buy oxen plough that would help us during ploughing. I also plan to plaster my house and buy furniture. I also plan to use the remaining balance to start a small business."

"Our proudest achievement is that we have managed to save from our little income and have been able to build a house." (Occupation: Small business)

"I plan to spend the transfer money to buy building materials which I will use to construct a bigger house. I also plan to spend some of the money to buy furniture. I also plan to use the remaining balance to boost my business." (Occupation: Small business)

"I would like to use part of the transfer to pay dowry to my parents . Secondly l would wish to buy cows to help us incase of any emergency. Lastly l would like to open up a business to generate income to sustain my family."

"I would like to use part of the transfer to build a new home so that get our space away from parents. Secondly l would wish to open up a business to generate income to sustain my family. Finally l would like to vurnish our house after building a new home."

"I would like to use part of the transfer to buy oxen to help me do better farming. Secondly l would wish to build a pit latrine to improve the health of my family members. Lastly I would to open up a business to generate income to support my family."

"I have planned to pay school fees for my children and would like to expand my farming business"

"We have planned to build a toilet first,then we would build a kitchen and set up a small business."