"I spent my third transfer on the acquisition of cows. I used to spend a lot of money on hiring out cows during farming seasons. I am now able to save the money that I used to hire out cows with. The other large portion of the money I used to buy cereals with which I stocked up because it was a period of drought and I did not have enough food in my house."

"I spent my third transfer on building material such as 34 pieces of iron sheets, roofing timber, 30 bags of cement, steel windows and door that I will use to build a new house."

"I spent my third transfer on the acquisition of cows which I used for dowry payment for my wife. According to our culture and traditions one should pay dowry for his wife once they have children so that the children do not get 'lost' in the future. The remaining part of the money I bought sacks of maize with because it was a period of drought and we did not have enough food in stock for subsistence."

"I spent all my third transfer on a motorcycle which my husband uses as a mode of transportation to generate for us daily income."

"I spent my third transfer on building a furnished semi-permanent house of 36 pieces iron sheets since my previous house was of 6 pieces of iron sheets which couldn't accommodate us well with my growing family."

"I spent my third transfer on the construction of a new house. I used to satay in a one roomed house which used to double up as a bedroom and at the same time as a kitchen . I did not have seats in that house so when I got my third transfer I decided to buy seats for my newly constructed house which has three rooms. The remaining part of the money I used to pay school fees for my secondary school child who had fee arrears in school."

"I spent my third transfer on buying 20 bags of cement that I used to plaster my house and pay college fees for my son."

"I used all of my last transfer to build a house since the one I used to live in before was small and old."

"I received my third transfer when I had a court case with my in-laws who felt jealous of me having accepted GD transfers. That resulted them into very petty issues with me that finally landed me in a court. I therefore spent a portion of the transfer to settle the court case. Secondly, I paid school fee for my younger brother in secondary school. Since the death of our parents, the boy had been under my care, be it school fee, food, clothing and any other necessity. I found a big relief when I received this transfer that enabled me settle his school fee arrears. I was and is still very happy with this organisation and wishes it revisits my village for the second time."

"I used my last transfer to buy a cow to rear, I had wished to have one so that one day when it gives birth it will give me milk, I paid fees arrears for my high school child and finished up my house."