"I am planning to build a kitchen that can also serve as a bedroom for my grown children, expand my house because its small and invest more in my livestock business." (Occupation: Small business)

"I am planning to invest in livestock rearing to assist me in future with school fee, boost my maize business for daily income, buy a new door, window, and build a new kitchen."

"The achievement am proudest of is educating my daughter through secondary school.I did all sorts of casual labour to pay her school fees. Although she got pregnant in the course of her studies, I am proud because she finally went back to school and did exams." (Occupation: Small business)

"We plan to pay school fees, and to boost the small business we run and to build a kitchen"

"I plan to repair my house, fixing windows, a steel door and plastering the walls and floor with cement, I also plan to build a toilet and the rest I will invest in business."

"I am planning to spend my transfer on investing on my business of selling cereals so that it can expand and I will spend part of it to rent a farm so that I can increase my area under agriculture." (Occupation: Small business)

"I am planning to spend my transfer on building a house as I don't have my own house currently, I will use part of it to invest in my small business of selling clothes and the remainder I will save it for my grandchildren who are very young so that when they reach school-going-age I will pay for them school fees." (Occupation: Small business)

"The achievement I am proudest of is that in the past I used to stay in a grass thatched house and I managed to build the house that I currently stay in using cash from my business of selling fish."

"I'm planning to invest a half of the transfer in cereal business while the remaining half I'll use to fence my home using a barbed wire.."

"I'm planning to build a spacious house. I'm also planning to invest the remaining amount in second hand clothes business."