"The biggest difference in my life is that I have renovated my house and it has become stronger. I have also got back my farm land after paying the debt."

"The moment I received the transfer, I felt so excited. The mobile money message reminded me of the plans I had made."

"The moment I received the transfer I felt relieved because the money was going to help me accomplish my plan of contructing a house."

"The moment I received the transfer, I felt happy. I had not held such a huge a mount of money before and the transfer came at a right time when hunger at it's peak."

"The moment I received the transfer I felt happy and inside my heart I knew that time had come for me to buy what I desired."

"I was woken up by a message notifying me that I had received the transfers at 5.00 am. I immediately woke my wife up and shared the good news. We immediately lost sleep as we were really excited. My wife then woke up and started preparing breakfast for us to take. We then took breakfast and quickly prepared ourselves to head for a nearby centre to withdraw the money. We were so early that we found all the shops closed but the anxiety to get the money in cash kept us waiting in the cold for the shops to open."

"After I completed my form four studies in 2016,life became very difficult.This is because my dream of going on with my studies came to a halt due to lack of school fees.I had a mean grade of C minus and I wanted to pursue a course in Business Management.I am the last born in a family of eight and none of us studied past secondary school.I lost hope in going on with my studies and decided to get married after two years.I am now a mother of one and life here is still hard because we do not have a major source of income.I still believe that joining college would have been a solution for this and it is still in my long term plans."

"I expect my life to change extremely in the next six months. This is because I will no longer be handling the casual work that I have been doing at my neighborhood. I will be spending most of my energy and time on my farm because I will have expanded my farming projects. Besides, I shall be enjoying a substantial income from the sale of the maize and beans that I am about to plant. Consequently, I will be more confident in supporting my children through secondary schools and colleges as they pursue their studies."

"I expect my life to change in the next six months because I am planning to invest in domestic fowls. I believe I will have bought goats since it has high market demand. The money that I get from this business will be channelled towards taking care of my needs for a long period of time."

"I expect my life to change significantly in the next six months. This is because I will have completed the construction of the ten units of my rental houses. Subsequently, I will start gaining some revenue after hiring out the rentals houses. Subsequently, I will be more optimistic of a better future as I approach my old age. Still, I will be more confident that the four children that I am supporting to finance their studies will successfully complete their courses. Additionally, the decent rental houses at our center will draw more prestige to me and my family."