"My life has improved because I am fulfilling my long time plan of opening up a business which will enable me get income for meeting my family needs. Before I got the money, I had business ideas that could not be implemented due to lack of finances."

"My life is better because I have constructed an iron roofed house which is safer and decent . I now own livestock which will enable me pay dowry for my new wife and I will become a complete and happy man. Prior to receiving the transfer I was sleeping in a hut with the leaky roof, I had so many pressing needs and my mind was not at peace."

"The moment I received my money, I felt so happy knowing that at last I had got money that was going to help me finish up and beautify my house."

"I expect my life to change in the next six months in that I shall have fixed an iron sheet roof and replace the grassed that one by buying building materials every month with the sent transfer. This is because at the moment the leaky grass thatched roof of my house is in a deplorable condition which has made it risky for our habitation."

"The biggest difference in my daily life is seeing that I was able to send my child to school with full fees and requirements as compared to before where I used to send her with less fees and she would be sent back. I am now confident that when the following term starts, I will still be able to send her as I am saving up money from the sources (farm produce and casual labor) I used to use to raise her fees."

"I look forward to harvesting and selling the vegetables that I have planted now to start saving towards starting up a bigger business to help increase the levels of income and change the lifestyle of my family."

"I plan to plaster my house to beautify it by saving and buying cement and sand. I also plan to buy iron sheets, wire mesh, nails, poles and timber to build a chicken pen to protect my chicken from stray animals."

"I expect to have finished the construction of a kitchen being that is my next project. This will allow me to cook comfortably. Come rain come sunshine my cooking will not be interrupted and my living room will no longer be a sub-kitchen."

"Currently the biggest difference in my daily life is the joy I feel seeing that I was able to send my children to school on time as the money came in at the time of fees payment. In addition to this, I feel relaxed having my oxen that I will put together with another person to help in the cultivation. This will promote peace and harmony in my neighborhood. Before getting this transfer, together with my children we would go doing casual labor to raise their fees and money to cater for some home expenses."

"I recently had a newborn baby so I spent part of the money I recently received to buy him personal items such as clothes, shoes and diapers. I then saved the rest of the money in my bank account for any emergencies and future business plans."