"In the coming year, my goal is to increase the number of goats I own. Ultimately, I hope to acquire two bulls. For a long time, I have struggled with plowing my farm during the rainy season, and owning the bulls will solve this problem. Instead of paying a high fee to hire a tractor, I will have the bulls to do the work myself. Additionally, I will be able to offer plowing services to others, earning extra income to help support my family. I plan to use part of my future transfers to buy more goats, and once I reach a total of ten, I will exchange them for a bull. I am really grateful for the financial support received, as it is bringing me closer to reaching this goal and improving my life."

"My goal for the coming year is to purchase the remaining building materials, which are the building poles, and then save enough money to hire a mason to start the construction of our house. To achieve this, I plan to use a portion of my transfers, setting aside $20 every month to buy the building poles. Additionally, I will contribute extra funds from the profits I make selling sisal ropes, along with my husband’s earnings from his charcoal sales. This combined financial effort will ensure that we are able to build a safer and bigger house for our family. I am very grateful for the financial support, which is helping us work towards realizing this goal in the near future."

"My primary goal for the coming year is to build a toilet for my family. Currently, we have to rely on nearby bushes for both long and short calls, which is both inconvenient and unhygienic. Constructing a toilet will help us maintain a high standard of hygiene and improve our overall quality of life. To achieve this goal, I plan to save $14 every month for an entire year. Along with the profits from my business, I will use the savings to fund the construction of the toilet. Having a toilet at home will make life much easier for my family and eliminate the struggles of going to the bush. I am deeply grateful for the financial support, which is helping me work toward this goal and create a healthier and safer environment for my family."

"My goal for the coming year and beyond is to invest in purchasing more goats with my subsequent transfers. I previously bought five goats, and my plan is to continue adding to their numbers. To achieve this, I will save $20 each month in our savings group, allowing me to gradually accumulate enough money to buy additional goats. Goats are a valuable investment for me because they multiply quickly. Once their numbers grow, I’ll be able to sell some to address basic needs or handle emergencies if they arise. This strategy will help me build financial security and stability for my family. I am very happy and deeply grateful for the financial transfers, which have been instrumental in helping me care for my family and plan for a better future."

"I run a small business selling delicious mandazis. Every morning, I prepare them with care and go door-to-door in different compounds to sell them. Once I finish my sales, I also cut trees and produce charcoal to supplement our income. My husband, on the other hand, actively searches for construction jobs to help us make ends meet. I am deeply committed to creating a better future for my children. My ultimate dream is to set up a permanent spot where I can sell a variety of food items like chapatis and mandazis. This would simplify my work, attract more customers, boost my income, and improve our family’s quality of life.To achieve this goal, I save $10 every month to secure a business premise that will make my work easier."

"I currently live in a mud-walled, iron-roofed two-roomed house. Unfortunately, the roof has developed holes, and when it rains, water drips inside. To address this, I joined a merry-go-round group where I save $20 every month to help me with the building process. Time is moving quickly, and I want to ensure I complete these projects before the support ends. I have already started purchasing building materials using part of my savings. When it was my turn to benefit, I decided to use the entire amount to buy a few iron sheets. I plan to use these sheets to renovate the roof first to stop the rain from leaking inside while I wait to receive the remaining funds to start building a new house. Additionally, I have a project of buying livestock, specifically a cow, as it will serve as my future financial security once these transfers come to an end."

"Before receiving the transfer, we lived in a one-room mud house, and it was very congested. My family and children had grown, and I needed extra space. Being able to achieve that was my biggest worry. The cash was a great help because I was able to build a two-room mud house for my family. We now have a comfortable shelter and are living an improved life."

"Since the technician was already at my house installing the solar panel, I decided to use some of the money from the transfer to top up the cash I had. I used $70 to pay for the installation. I had a very small mud house and had plans to build a bigger one for my family. I used $300 to buy materials to build a two-room mud house. I spent $30 to buy a new mattress because the one I had was worn out. I also spent $30 to buy household items because the ones I had were old. I used $100 to buy two goats for rearing, as I consider livestock a good future investment. I used the remaining $20 to buy food for my family because we had none."

"I had always wanted to buy a motorbike, and I could say it was my lifelong dream. I saw it as the only way out of the charcoal burning business. The charcoal burning business is hazardous to my health because inhaling the smoke for long causes chronic chest problems. I talked to the motorbike seller, and he told me to wait for him, as he would bring the motorbike to me. I had to wait for a few days. I used $548 to pay part of the full amount and promised to pay the remaining balance once I received my second transfer."

"I had always wanted to buy a motorbike, and I could say it was my lifelong dream. I saw it as the only way out of the charcoal burning business. The charcoal burning business is hazardous to my health because inhaling the smoke for long causes chronic chest problems. I talked to the motorbike seller, and he told me to wait for him, as he would bring the motorbike to me. I had to wait for a few days. I used $548 to pay part of the full amount and promised to pay the remaining balance once I received my second transfer."