"I am planning to spend my transfer on constructing a toilet as I don't have one currently and I am forced to use the one belonging to my neighbor, I will also build a bigger house as the one I stay in is very small for my family and I will use part of the transfer to pay school fees for my children. I will use the remainder to start a small business of selling fish in our local market."

"I am planning to repair my house, expand my small business and buy a few household items." (Occupation: Small business)

"I am planning to expand my small business." (Occupation: Small business)

"I plan to build a new house, buy cattle and a ploughing machine for farming, build a toilet and the remainder i will invest in business."

"I have planned to build a kitchen since I don't have one,I will expand my business and build a toilet." (Occupation: Small business)

"The achievement I am proudest of is that through my small business of sisal making I have been able to build my house." (Occupation: Small business)

"I am planning to spend my transfer on buying a piece of land as we have a small land, I also plan to spend part of the transfer to take my child to hospital as he is sickling and we will spend the remaining amount in starting a small business of selling second hand clothes."

"I would like to use part of the transfer to build a house because I do not have any house at home. Secondly l would wish to open up a business to generate income to support my family. Finally l would wish to use the rest of the money to do poultry farming."

"I would like to use part of the transfer to open up a business to generate income to sustain my family. Secondly l would wish to buy oxen and ploughing machine to enhance farming to increase productivity. Finally l would like to expand my house because it is very small to accommodate my family."

"I would like to use part of the transfer to build a house because I do not have any house. Secondly l would wish to do farming in large scale to generate income. Finally l would like to open up a business to generate income to support my family."