"I spent the larger part of my third transfer on building a spacious three roomed house and now my heart is at peace since I have acquired the shelter that I used to admire my whole life . I also bought sofa seat and paid school for my child is in high school ."

"I spent part of my third transfer on smearing my mud house which is nicely aligned and I bought three goats that I am anticipating to reproduced and sell some in the cases of household emergenicies. The remaining transfer I gave my spouse."

"I expect my life to have changed in the fact that I will have improved in many projects and even will have facilitated the payment of the workers in my household."

"My life is now different in that formerly I used to be stressed over the overwhelming needs that even forced me into loans of which loans also brought a lot of stress in my life. I have also longed to build for myself a permanent house for long but didn't have he capacity to do so but now with the Gd transfer I was able to do so."

""My life is different in that, am now sleeping in good standard house and better mattress than the one used to have. I have been able to treat myself on time because I have money at my disposal thus keeping me healthy and happy most of the time""

"The biggest hardship I have faced in my life is domestic violence.My husband is a drunkard and we often quarrel and even engage in physical fight.At one time he beat me and I had to go back home to seek medication since I was suffering from goitre.Marriage life has been difficult due to these quarrels but I have my children who give me a reason to be strong and keep moving on."

"The achievement I am proudest of is the education that I have provided to my children.I have one daughter who just completed college and two daughters in secondary school.I see my children being better people in life and also helping me when I grow old."

"The achievement I am proudest of is having a family.I feel proud when I see my six children growing up and having a loving husband who cares for the family."

"The biggest hardship I have faced in my life is having to tolerate a drunkard husband.This has brought conflict within the family forcing me to seperate with him on two occasions,the longest one being being 5 years.During that time I was away from my children since my husband remained with them.This was really difficult for me."

"The biggest hardship I have ever faced in my life is when my shop got burnt back in 2004. As a result of the fire, I suffered huge losses and since then, I have not been able to start my own business. Over the years, I have been struggling to meet the needs of my family. I am currently working for someone who pays me 200 shillings per day. I have always desired to own my shop but due to lack of capital, I have not achieved my dream"