"I have been operating kiosk business in my house but in March 2019, I was diagnosed with heart problem something that made me to spend all my savings in seeking medical care. The business collapsed after 6 months of illness and I have wish to restart this business but it has been in vain due to lack of capital. Receiving this money means accomplishment of my desire in life as I am planning to invest $150 of my transfer in this business which will act as my reliable source of income. The remaining amount will assist me in repairing my house which is about to collapse."

"These transfers have made it possible for me to start a business that would have otherwise been impossible. Having an extra source of income, however little, from the business and assured monthly income from the transfers has made my life very easy this year, as compared to last year because I can now pay my bills on time and provide decent meals for my family. Before I started receiving these transfers, I only depended on the tailoring job which was irregular hence not sustaining."

"In the next six months would have started operating the new business which I intend to start. This will enable me to earn more since I will be having more sources to earn from. The profit which I will make from these businesses will enable me to buy a piece of land. We presently have a small portion which I inherited from my parents. This is not enough to fulfil my dream of doing large scale farming. I feel good and have hopes of expanding my farming activities."

"In the next six months, I hope that my poultry farm will have picked up well. I am expecting to get a good amount of money through this business considering the high demand for eggs in this region. I will not be struggling to meet my daily expenses because I now have two sources of income. I can now start pursuing my long term goals because I now have the means to reach most of these goals. I want to first focus on paying school fees for my children and investing in other projects."

"I have lived in this city for almost 20years and I have never gone back to my village since then. As I grow older, I get the need to go back due to the pressure that I get from my relatives to go and at least build a house that will also set my younger siblings free to build their own. In my culture, the younger siblings cannot build a house before their elder ones which is why it is important that I do this as soon as possible. I have been trying to make as much savings as I possibly can to enable me to achieve this goal I have had for a while, which is why I do not have any new one at the moment."

"Apart from my job as a hairdresser, I have also managed to set up a business in fish which I sell through my friend, courtesy of these transfers. This has been a very good financial booster because I have an extra source of income in case I don't make enough from the main job. The transfers I have been receiving enabled me to set up this business which I am very sure would not have been possible I were to raise the capital from my own savings. Having an extra source of income has also boosted my savings in our table banking group which is higher than I have ever saved in a year since I joined the group."

"I would still want to start a boutique business to boost my income. The little I get from my cloth business has been very helpful but I feel there is room for improvement by making my life better financially."

"Last month, there was a fire accident that burnt down my house and one of my business areas where I had a barbershop. It has been a struggle getting back to normal because we lost all of our belongings in the accident. So far, we have managed to construct a new house and the shop and the money I received this month was entirely used to buy the materials that were used to renovate and paint the remaining areas."

"With the plans underway, I expect to have fully established the poultry farming project and income generation will have improved as the number of birds in the coop will have also increased."

"Currently, I am still planning to continue buying household items. I do not have many things though I received some donations but there are some items which I still lack. That's why I will continue to buy new ones to get my life back."