"We plan to invest in business, to expand our farming activities by renting land to plant more crops. We have a small piece of land."

"I am planning to spend my transfer on buying two cows that I will use in ploughing my farm, I will also buy five chicken that I can breed and to renovate my house by buying chairs. I will spend the remaining amount in starting a small business of selling cattle."

"I am planning to spend my transfer on going to hospital as I have a fractured bone that needs medical attention but I never had cash for the hospital bill that may accrue,I will buy iron sheets so that I can build a home as I am still in our grandfather's compound and also I will buy a dairy cow so that I can have milk for my family. I will use the remaining transfer to pay school fees for the children that I stay with and also to invest in my hotel business which is in the market place." (Occupation: Small business)

"I am planning to spend my transfer on paying my college fees so that I can advance in my life,I will use part of it to renovate our house that is almost collapsing so that I can go and stay there and I will also start a small business of selling cattle."

"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."