"I plan to spend the transfer to construct a house for my family. I also plan to use the transfer to boost my small business." (Occupation: Small business)

"I plan to spend the transfer to construct a bigger house. I also plan to spend the transfer on furniture. I also plan to buy oxen plough to help me during farming. I also plan to use the remaining balance to start a small business. I also plan to use the transfer to pay bride price required by my in-laws."

"I plan to spend the transfer to construct a bigger house to accommodate my big family. I also plan to spend the transfer to pay school fees for my children( two in college and three in high school). If some cash remains, I will use it to start a business."

"I plan to spend the transfer to pay school fees for my three daughters in college and one daughter in high school. I also plan to use the remaining balance to start a small business that would add value to my income."

"I plan to spend the transfer on school fees. I also plan to spend the transfer to repair my house. I also plan to use the remaining balance to start a small business that would boost my income and therefore support my family."

"My biggest hardship in life is lack of proper equipment for farming." (Occupation: Small business)

"I would like to use part of the transfer to expand my business to generate more income. Secondly l would wish to buy oxen to enable plough my farm. I would also like to to plaster my house to avoid frequent maintance which is very expensive. Finally l would like to use the rest of the money to buy household items to improve the life of my family."

"I am planning to use my funds on my children's school fee and start poultry business so that I have a reliable source of income."

"I am planning to use my transfer to assist my spouse to pay his college fee, expand my soda and tailoring business so that I have a reliable source of income." (Occupation: Small business)

"I am planning to expand my poultry business by buying more chick's, build a new kitchen and pay my children's school fee."