"My life is different since have desired to boost my business. Through the transfer I was able to fulfill the my wish in a short time without any struggle. Furthermore, my husband business has developed and I also improved my poultry farming through my first transfer something that has Increase our income."

"My biggest worry at the moment is lack of milk for my children. I have 3 children and the youngest is 1 year old. These children depend on milk so that they can get proper nutrition. I am therefore forced to buy 1 litre of milk daily at 50 shillings. I have not had enough capital to buy a dairy cow for the longest time but today, there is light at the end of the tunnel for me."

"I live in a small hut and my family is growing. I have therefore planned that I will build a bigger house when I receive my transfers so that my children can have a better home. Receiving this money is a blessing to me because it will also enable me to buy a sewing machine now that I have completed my course work."

"I spent my transfer to purchase 10 iron sheets for the construction of a house for my grown-up boys. This is because they were spending their nights in the same house with me which is against our culture. I also paid school fees for my 4 children for the whole year. The remaining amount assisted me to purchase enough food for my family."

"I spend my transfer to purchase a sewing machine at $160. I also paid my college fees and that of my children and purchased some learning materials. I plan to spend the remaining amount to start a tailoring shop and to purchasing different types of linen once I am through with my course."

"The biggest hardship I have faced are failing for my Malawi School Certificate of Education Exams and having an abusive husband."

"I spent $250 to purchase a dairy cow that is about to give birth. In addition, I am planning to use $300 to start a small-scale poultry farming. I will begin by constructing a small structure, purchase the chicks and chick feeds. This because I have desired to start this project but I lucked the capital to initiate it."

"I have been failing to sustain my self and my family through out the year, mostly we have insufficient food to last us the next growing season."

"The biggest hardship is that I have been struggling to consistently provide my family with food through out the year, we struggle very much in February and March"

"I spent part of my transfer to purchase one dairy cow. This is my long-term investment for my family, I intend to sell the offspring to educate my children once they multiply. I also purchased ox-plough which will help me in preparing my farm before planting. I saved the remaining amount for my child who will be joining secondary school next month. I will spend it shopping and pay part of her school fees."