"I want to see myself in a new house and my business well established and growing, these will mean a whole lot to me in that when i am in a comfortable space i will feel more comfortable and more productive while with the business i wouldn't have to be fully dependant on others."

"I am a farmer and i spport my children from the farm that i make therefore, i am hoping that in few years to come my farm would grow bigger where i would have more produce to sell and give my children a better life."

"My landlord has given me notice to leave his house and i am now squatting with my sister at the moment therefore, i have decided to build a house with my most recent transfer."

"My son spends the day here with me and goesto my brother's house at night to sleep because the house I live in now is old and shabby, at the verge of breaking down therefore,i have planned to use my most recent transfer in building a new house."

"I want to see my self in my own house instead of living in my family's with that i will feel very satisfied that i am able to be an owner of a house."

"By the end of this year, I want to have saved $500 so I may expand my business. The gains from selling cyprinid alongside cashew nuts are modest. Due to the limited demand for cashew nuts, I occasionally have to throw a sizeable amount that has gone bad, resulting in a loss. At the end of the year, I want to open a retail store where I'll sell different foods, detergents, and other personal care items. Since the majority of these products are regularly consumed, I think it will work well. To accomplish this, I will set aside a portion of my monthly payments and revenues."

"At the moment, my firstborn completed primary school in December last year. The goal that I have is to enroll him in a technical college to pursue a carpentry course this year. Additionally, I want to concentrate on providing quality education for my 5 children who are still in primary school. They are always out of school due to fee arrears, something that bothers me a lot as a parent."

"In our village, we established a 25-member savings group where people could build their savings by depositing whatever they could afford at any time of the month. The savings will then be withdrawn on the same day by all group members, which is scheduled for the end of March this year. On my end, I had been saving at least $500 per week and hoped to have accumulated at least $100 by the end of March. With this amount, I hope to start a grocery business in which I will purchase a variety of groceries in bulk from a nearby market and then break the bulk as I sell to members of the immediate community. I hope to see success with this business, and the profits will help me to start introducing goat farming to my field."

"In the coming year and beyond, I intend to start goats keeping a long-term investment for myself. I will be able to sell them when they multiply to cater to any financial emergencies in the future. At the same time, I intend to save some amount from the transfers that I get every month to acquire enough food. This is because I am old and no longer economically active to feed myself."

"This year, my main goal is to use my transfers to pay fees for my daughter. Currently, she is undertaking a tailoring course on design and fashion. I hope this will enable her to gain skills that can later help her run a self-owned tailoring shop. As a result, she will become self-reliant and thus can support me, and her family comfortably. In addition, I am planning to spend some of my transfers on food since we always have the challenge of famine. Periodical crop failure has posed food scarcity challenges in our area, hence it will be needful for me to plan well on how to be obtaining food to support my family. It will supplement the income from my husband's income from livestock keeping."