"The biggest difference in my life is that I was able to clear school fees arrears for my daughter who is doing a tailoring course and my son who is training on mechanics respectively. I am happy and hopeful by next year they will finish their course and ventured into scholar jobs as professionals."

"My life is different than it would have been if I never received the transfer in that I have managed to build a decent spacious house and right now all the 10 memebers of the family can sleep under one roof same to the visitors since I could take them to sleep at the neighbors house.I am also happy because I bought goats which reproduce soo fast and incase of any emergency I can easily sell and take care of the issue at hand."

"Yes, my goal is to expand my fish selling business in the near future,this is my family source of income so expanding it will go along way in giving me more returns to cater for other needs."

"My life is different because I now own cattle that supply me with milk and I also expanded my business which sustains me and my family"

"I spent my third transfer on installing electricity now I am saving extra cash for my daily upkeep which i could have use on paraffin."

"I spent my third cash transfer on building a three roomed house because my previous house was too small and uncomfortable. I also bought a dairy cow from which I will sell dairy products and get daily income."

"I have been having my daughter in-law living in my home, in a come-we -stay relationship and this was more precarious therefore when I received this my third transfer, I found it prudent to pay dowry to make the marriage genuine. I used the rest of the money for acquiring some livestock."

"My life is different than it would have been if I never received the transfer in that I managed to renovate my mother's house and now its looks beautiful,I also built my own house with the second transfer. Previously, I stayed at my brothers house.I also managed to clear a large amout of school fees and now I am stress free."

"I spent my third transfer on purchasing a water tank,fixed a steel door for security purposes,build my own toilet for hygiene reasons and to avoid going to the bush when pressed.I also used part of the money to build my son a house as per our traditional and spent the rest of the money to buy a dairy cow which will reproduce faster and can sell the young ones if need be."

"I spent my third cash transfers on buying and repairing a second hand motorcycle. I have been leasing other peoples motorcycles to do business and when I received this cash transfer, I thought it was the perfect opportunity for me to double my profits by owning a motorcycle."