"We solely rely on onion farming which is under irrigation to earn a living. It is very costly to pump water using a generator since the location of the farm from the river is 200 meters. Sometimes when we lack money to purchase fuel, the production from the harvest is affected hence we incur losses. Lack of enough money to sustain the cost of farming is a challenge."

"Financial constraints are the greatest challenge since it is difficult for me to raise school fees for my daughter in secondary school. I am a casual worker at a neighbor's house where I help look after livestock. I earn $40 a month, which is not enough to sustain all my needs at the same time school fees leaving me with arrears of $80. I am not happy when my child is sent to collect school fees and she misses up on school this affecting her performance."

"In addition to building a new spacious house, my primary goal is to venture into raising livestock. I hope to accomplish building my new house in the course of this year. It will save me from adverse weather conditions caused by rapid climate change. As a result, my family member will no longer be victims of colds during extreme weather conditions. Keeping livestock is a promising venture, and everyone from my community practices this. It is always beneficial during emergencies because we can often sell livestock to raise quick cash. Currently, I have seven goats, but I desire to add more. I value them as live assets that can help me in case of an emergency."

"Since I began receiving my monthly transfers, I am glad my family has witnessed a positive change. Because I have the assurance of my monthly transfers, I have been able to meet my family's nutritional and educational needs. Therefore, as I continue to receive my transfer, I hope to spend a portion on buying food and paying school fees for my children. I am so happy that my children often have ample time in school, even though I have a meager income. I had never thought that things would work for my good in that manner."

"In my country, Kenya, the government initiated a program in support of the elderly in the form of the Inua Jamii Initiative. I am glad to be a beneficiary, earning $20 a month that is paid quarterly. It is through this drive that I support my family of five alongside tree cultivation and the small-scale poultry farming that I run with my wife. However, the harsh climatic conditions and inconsistent market for the trees at times make the business slow and therefore provide no income for the family. Therefore, I opted to purchase a dairy cow using $250 of the transfers so as to provide milk for the family and a surplus to generate income to bridge other financial gaps. Previously, I had over 20 cows but unfortunately sold them all to educate my children. I later resorted to purchasing a liter of milk daily for $0.5 and paying $15 at the end of each month. This consumes most of the family finances, and at times I have had to borrow from friends so as to support the family. In order to sustain the family's food security, I bought 1 bag of maize for $56, 50 kilograms of rice for $50, and other household goods for $100. I am also glad to have saved the majority of the transfers to attend to any arising emergency. I am now mentally relieved as the family is food secure and hence can invest in other income-generating activities by utilizing the time that could be used to search for food."

"In the 21st century, having the basic needs of food, shelter, and clothing is essential. I am glad to have achieved this for my family of six through the transfers. From the last transfers, I utilized $300 in completing the three-room brick-walled house that I commenced constructing in September 2022. We used to live in a two-room, mud-walled house that often leaked during heavy rains, thus predisposing my family to diseases such as pneumonia. In addition, I used $200 to add more stock to the retail business that my family depends on. From the business, I earn approximately $60 in profit a month that fully supports my family, including food, clothing, and education for my children. I am now hopeful, with the expanded business, that the profits will increase and my financial status will be upgraded."

"I bought bought 4 cattles and two bundle of zinc."

"I intend to build a decent house with a shop attached to the house.I want to establish a small provision shop for my spouse. We are getting older by the day and looking at the challenge we are facing with on a daily basis, no food and money to sustain ourselves. We only depend on the little farm we produce every year to ease our burdens."

"I was planning to invest heavenly in livestock farming that I will sell later to cater for my family's basic needs in future since we are growing old and soon I will not be able to work. Sadly, my helper took almost all my first transfer giving me £100 only. Nevertheless, I did not give up since I used £5000 to buy one sheep to start the project. I used the remaining amount to buy food."

"The money came at the time I needed it most. My son had joined form one for his secondary education. I had to borrow a loan in order to pay his school fee since they did not allow any new admissions without clearing the whole amount. The creditor had kept asking for his back and I was on the verge of selling my goats to clear it. Thanks to GD transfers, I used all the amount to clear the debt."