"I am planning to take a loan from the group to renovate my house and I am sure that in six months time, the projects will be over and my family will be living in a better house."

"I hope that we will be able to save enough money by then as a family to start a business for my wife who is a housewife at the moment so that she can also contribute to the family budget. This will reduce the strain on my side and my children will well be taken care of."

"My life different than it would have been if I never received the transfer, I used to buy milk before and it was costly for me, but now I no longer buy milk and we were also living in a small house which was not enough to host all my family members but now we have a better spacious house."

"In the next six months, I expect to have constructed an iron roof house to replace the current grass thatched house I have."

"The moment I received the transfer, I felt happy ."

"The moment I received the transfer I became so happy."

"In the next six months l expect to have plastered my house."

"Receiving this money means investing in buying land and oxen for farming. "

"Receiving this money means investing in farming. I intend to use this money for buying livestock for farming."

"The biggest hardship I have faced in my life is lack of a reliable source of income. Today, I am separated from my wife because I can not afford to pay her dowry. "