"I spent part of my third transfer buying furniture for my living room,before I only had one chair. The remaining amount I spent on starting a kiosk business in near my home. With the business I am able to take care of my family and sustain myself."

"First we used the transfer to help my husband pay my dowry then we built a house, the one we used to live was small and was almost falling off the rest of the money we used in our daily needs."

"I had the burden of paying school fees for my children one is an orphan whom my late sister left me with her so she is like my daughter and the other one is my daughter whom are both in high school so most of the last transfer I used in paying their school fees."

"I used my last transfer to buy barbed wire and poles and cement to fence my compound this is because I am always on business outside home one day I came home after my businesses and found out that thieves had broken in and stole some things from the house then the rest of the money I paid school fees for my son who is in high school."

"I used my last transfer to install electricity in the house for lighting I used to use paraffin and compared to having electricity it was expensive so having electricity has helped me save, I also bought sofa sets to let sitting more comfortable the ones I had before were quite uncomfortable and old."

"I built a kitchen with my last transfer this is because my children were sleeping in neighbors houses and some of them were girls at some point it felt unsafe so I built to keep them off the dangers, I also paid school fee for my son who is in high school, lastly I bought a diary cow so that when it give birth it will give birth it will be able to provide me with milk."

"When I received my first transfer, I was filled with joy and chanted songs of praise."

"I used my last transfer to buy cement, iron sheets and paid the constructor to plaster the walls of my house, then I built a kitchen the old one was eaten by termites and was almost falling off, therefore the most of this last transfer was used in building the remainder of the money I used in other household items"

"The biggest hardship i have faced is lack of money to pay medical bills.My children are always falling sick to the extent that sometimes, they become un conscious.This is very expensive in that my household has incurred debts after debts in order to assist and save their lives."

"The biggest hardship i have faced is lack of money to afford basic needs for my household like food,clothing and medical care.I have ten children and providing for them is very difficult."