"I'm planning to pay school fee with a portion of the transfer. I'm also planning to buy some oxen for farming activities. This will ensure that I till my land in time and at least get adequate yield for family consumption and even sell the proceeds."

"I'm planning to settle my dowry with a portion of the transfer. I'm also planning to build my own home because at the moment I stay at my in-law's home."

"My biggest hardship in life is lack of capital to start my own business to generate income to sustain my family."

"My proudest achievement is that l have struggled and bought a motorbike to help me in transportation."

"My biggest hardship in life is lack of proper source of income to support my family."

"My proudest achievement is that l have struggled and built my own house though very small."

"Our proudest achievement is that we have been able to build a house for my family."

"Our proudest achievement is that we have been able to construct a house for my family."

"The biggest hardship that we have faced in life is that we have been living with HIV and it has been hard because we dont have adequate income that can enable us to get balanced diet."

"Our proudest achievement is that we have been able to build a house for our family. This was made possible through savings."