"I used a portion of my third transfer on 13 pieces of iron sheets, timber and nails which I have used to build a new house because I had a very small house which was very uncomfortable, I bought a cow for milking because I did not have livestock in my compound. I spent a portion to pay laborers who were building my house and the remaining amount, I spent to pay school fees for my child who is in high school and also to buy whatever I lacked."

"I spent my third transfer on buying furniture and a dairy cow,I also plaster my house and paid school fees with the remaining cash, Am happy now that my children will not be sent for school fees."

"I spent my third transfer on building a house since I had a small roof thatched house which was almost falling down, I also paid school fees for my son and start a fish vendor business with the remaining amount."

"Having bought building material with my second transfer I spent my third one on building my house since I had a small house which couldn't accommodate us comfortable with my teenager children, I am happy because we are able to have our own privacy."

"Receiving this money is going to help me to buy cow, goat and chicken. Then the balance will be used for taking care of my self in case I fall sick .I will use for treatment. "

"Receiving this money is going to help me to raise the capital for my business of selling foot wear and vegetable seeds ."

"Receiving money is means of managing my self to buy oxygen and ox-plough to improve family farming."

"The biggest hardship we face is lack of enough land for farming because having one garden is not enough since you want to plant variety of crops ."

"Receiving this money is a help to me ,because I will buy ironsheet for construction of my house then the balance I Will use for buying cattle. "

"The biggest hardship i am faced with is lack of money. I am a nursary school teacher which does not really earn me what is enough to sustain life. As a result, some times my husband has had to borrow money from savings groups, hiring out land to raise some money for school fees. "