"The difference in my current life are having chicken which I will sell to boost my income and I bought utensils. I now don't borrow utensils like before."

"My new goal is to save and invest in a cereals business at the market so as to sustain my family."

"The new goal I have is to start a small business so that I can have steady income to take care of myself and my children.I will also be able to help my grandmother with the household responsibilities which will greatly reduce the burden on her."

"I have always wanted to expand my small kiosk but I have never had the money to do so, this is the goal I am now building on. To expand my business from a kiosk, to a shop."

"The biggest difference in my daily is that the transfer has enabled me to pay all my daughters school fee once and with the crops I have planted I expected a good harvest that will enable me clear the coming terms school fees, before recieving this transfer I couldn't finish all my daughters school fees once."

"The moment I recieved my first transfer I was very happy because the transfer came at the right time when I needed it most."

"I spent the whole of the last transfer to build a spacious comfortable house, since l was staying in a very small house that could not accommodate me with my family being that l have a very big family."

"I spent most of the last transfer to build my own home since l was staying at my brother's home where l was not comfortable mostly to do my personal development."

"I spent most of the last transfer to pay debt that l had with merry go round group, this debt was really pressuring me. I also spent the transfer to buy mattress since l was sleep on a very small uncomfortable mattress. The remaining balance l spent to pay school fee for my child who was joining secondary school."

"I spent most of the last transfer to plaster my house since, l have been longing to staying in a nice plastered house and l could not afford. l also spent the transfer to buy furniture since l was sitting on water container."