"I plan to buy cement and cement walls of my house. I also plan to increase stock for my grocery shop so that my profit may increase."

"My house is in poor condition; I plan to buy ironsheet, timber and nails, and build an iron roofed house."

"I plan to buy cement and sand, and cement the floor and walls of my house."

"My two children have been sent away from school because of school fees arrears, I therefore plan to pay so that they can continue with their studies."

"I am being rained on in a leaking grass thatched house, I therefore want to buy ironsheet and build an iron roofed house."

"The biggest hardship I face in life is lack of money being that I am the only breadwinner to my family and just depending on a small business."

"The biggest hardship I face in life is that I lack money to revive my electronic shop which collapsed due to capital."

"My proudest achievement is that I have a family and a business that I get daily income from. I lost my parents at childhood and what I own today is the product of my own strength."

"My proudest achievement is that l have struggled to educate my children after the death of my husband."

"The biggest hardship that I face right now is lack of a sustainable source of income for myself, my business is not very profitable so most of the time I have to borrow money from others and this has to be repaid with interest."