"I expect my life to change in the next six months because I am planning to expand my house since it is small and uncomfortable. We normally hit each other when walking inside . My kids are growing and they will need to have their own rooms. I also need a room to store my grains after the harvest."

"My new goal is to start a cloth business. The kind of borrowing I went through before getting this transfer, I would not want to go back to it again. I will invest in the business and from the profits, I will be able to help my mother solve family needs and to develop myself financially by saving and expanding the business."

"I can say I am a step ahead. I am financially more secure as compared to before when I only ran one business. Now my profits come from two businesses which are both doing well so far. I am able to pay my bills without too much hustle like before when I only relied on the shoe business which was not earning me many profits. The profits I had to balance so that it fit my bills which were too many too."

"My life is different than it would have been if I never received the transfer because I have been able to expand my farming by renting a three-acre piece of land which I planted maize on and used better fertilizers and I am hoping to get a better harvest than I have always got. I am a peasant farmer who only planted on a small piece of land which was not even enough for my family's consumption because the harvest was really dismal. I am happy that we will have enough eat as well as to sell to enable us get some income."

"In the next six months, my plan is to buy goats each month from the transfers and the earnings from dairy farming. I am planning to buy these goats as assets for sale. My son will soon be joining a secondary school and when that time comes I will sell them and pay his school fees."

"I expect my life to change significantly in the next six months. This is because I will be getting substantial income from casual work of plowing that I will be doing at my locality. Consequently, I will be leading a more promising and happy life with lots of confidence that my daughter will join secondary school next year. I will be having sufficient funds to pay her school fees. Additionally, I will be leasing and tilling more land following the increased income and the presence of oxen as a source of physical power."

"I will be having my first child learning in a secondary school. The others never attained this level of education but finally, I feel like I am now a real mother too."

"In the next six months, I expected to have enough food for my family in that I will have harvested maize I planted. I expect to sell the surplus for money to meet other household financial needs. I foresee a happier and stressfree life in that I will have tackled the most demanding needs of my family."

"In the next six months, I would expect to have started a new shop where I would be running my business fulltime. I will also continue attending an open market on market day to sell second-hand shoes and from this, I expect to earn more profit which would help me to change our living standard."

"In the next six months, I would want to buy a cow. The cow will help in milk production of milk both for our consumption and for sale. The sale of milk will help me raise money to cater for daily needs of the family. I will also be able to sell the cow to raise money to solve other urgent family needs such as school fees and medication whenever one is sick."