"Looking back,I would say my proudest achievement has been completing my secondary level of education because now I have a certificate that can take me to the next level." (Occupation: Motorcycle or bicycle taxi)

"I am planning to spend my upcoming lumpsum payment on buying poles, timber, and additional iron sheets. I will buy roofing nails and steel doors for my house." (Occupation: Motorcycle or bicycle taxi)

"We are planning to use our transfer to buy another motorcycle to help boost our transport business..The motorbike I own currently is second hand and beaks down more often." (Occupation: Motorcycle or bicycle taxi)

"My proudest achievement is having planted maize in my farm and after harvesting the produce and selling them, I was able to buy materials which I used to build my current house." (Occupation: Motorcycle or bicycle taxi)

"I am planning to spend my transfer on buying my own motorcycle as the one I am using is hired and the owner can take it at any time,I will also pay a debt that I owe a friend of mine who helped me with cash that I used to buy irons sheets that I used in building the house that I currently stay in,I will also use part of the cash in paying for my wife's dowry as their family keep on taking her away from me because I haven't paid a single dowry and the remaining amount I will spend on paying school fees for my kids who are in primary school." (Occupation: Motorcycle or bicycle taxi)

"I am planning to spend my upcoming lumpsum payment on building a bricked iron roofed house." (Occupation: Motorcycle or bicycle taxi)

"My biggest hardship has been to access food because the market is some few kilometers away and I also don't have that money to buy food." (Occupation: Motorcycle or bicycle taxi)

"My proudest achievement is having joined a deposit taking micro finance bank and after saving with them, I was able to take a small loan which I used to purchase a motorcycle taxi."

"Finish my house and start poultry farming" (Occupation: Motorcycle or bicycle taxi)

"The proudest achievement is that through hard work I have been able to buy my own motorcycle which is giving me money to support my family." (Occupation: Motorcycle or bicycle taxi)