"I would like to use part of the transfer to open up a business to generate income to support my family. Finally l would wish to buy a piece of land since we do not have enough land."

"I would like to use part of the transfer to pay school fees for my son who is joining form one came next year. Lastly l would wish to open up a business to generate income to support my family."

"I plan to use the transfer to construct a house since am staying in a rental house. I also plan to use part of the transfer to pay school fees. I also plan to start a small business."

"I am planning to build a new house because my roof is old and licks during rainy seasons and this exposes my children to diseases. I also plan to purchase household furniture I and a dairy cow. I will also start up fish business."

"I am planning to increase stock in my shop business and build a new house because my roofing materials are old and so I am rained on during the rainy season."

"I am planning to use the funds to fence my compound so that I can venture into horticultural farming, pay my son's secondary school fee and start charcoal business."

"I am planning to build a bigger house because I have a large family and my current house is small, set up a business that involves the sales of grains such as maize, beans and sorghum."

"I am planning to spend my transfer on expanding my fishing business by buying more nets for fishing, I will renovate my house and make it to be more raised so that I am not affected by flood water from the lake, I will also spend part of the transfer on paying for dowry as I haven't paid dowry yet and the remaining amount I will buy a sheep and a goat for milk and meat."

"I am planning to spend my transfer on buying boats and nets that I can use in my fishing business. Will also buy another piece of land because our land is small and I would wish to have another land that I can do farming activity. I will part of the transfer on buying some sheep and cows that I can keep for meat and milk to supplement my family's diet."

"The achievement I am proudest of is that I was able to buy four goats that I keep using cash that I got from saving and lending scheme in the village." (Occupation: Small business)