"My biggest hardship is having a permanent source of money for example starting a business ,this has been my dream for quite a long time but i never really hard an opportunity of having a tangible amount of money for investment plus i live in a small glass fatched house,i would love to have an iron shit fatched house I'm so excited for the programme and i really cant wait to get the transfer."

"The program is very good and it has helped us quiet alot and i appreciate receiving the transfer twice and the money was enough to help me build a house."

"I don't have any now, iam just grateful as we are passing the month of Ramadan"

"I am so happy to receive these funds. I will use them to improve my house and also buy food for my family and I"

"I came into this village about a year ago following my husband from my home village seeking a good place to farm since pieceworks were scarce there. This money will assist us to build our own house too as this one belongs to my in-laws. The remaining money shall be used to buy household items to help us in food preparation and afford a better sleep such as pots,plates,mattress and beddings. These will make our lives better and we shall be worrying about other ways of making money to sustain ourselves since these needs have been found."

"I bought 3 bags of cement, wood and saved the rest of the money"

"I was just hearing rumours about this project and when I heard you were coming to our village I was so excited. I intend to use the money from this program to build a much better house for my family as the one we currently live in is grass thatched and was built using mud. I wish to build one with bricks and iron sheets with a cement floor"

"I'm very happy for getting enrolled in the programme,it really means alot to me and i will be very happy as soon as the transfer comes in."

"My house is just braving the strong wind of our area and I am always worried that it may collapse anytime. I have wished to construct a decent one but due to financial challenges, this has never been possible to me. Receiving this money means a better house for me because I plan to spend utmost $300 of my first transfer to have the house constructed. The remaining amount of the first disbursement will help me to buy a modern bed and a mattress to replace the old ones which never give me nice sleep. On the other hand, I intend to start livestock keeping that will help me in the future whenever needs arise. I, therefore, plan to use $450 on my second transfer to buy 3 indigenous dairy cows that will provide me with milk to sell and for my consumption. The remaining amount will support me to buy some very basic needs like food."

"As a woman of my age, I never imagined engaging myself as a charcoal burner. Due to financial instability, I have no choice but to involve myself in doing this strenuous work to earn a living. Therefore, financial instability is the biggest hardship that I have ever faced in my life."