Before the transfers, I did not have any reliable source of income. I have always relied on a small income from odd jobs in the village but would not get enough to meet all my needs in time and well. I have always sort help from my parents and siblings whenever I have a financial crisis. This is why I chose to start a business with these transfers so that I can always have money to meet my needs without having to seek help. I used my transfers to start a small beadwork business which has kept me going financially. Without the transfers, I would not be at peace as I am now.

I am planning to use my next transfers to start a shoe business. I am currently running a beadwork business and it is not doing well as I expected. The income is not much and I feel I need to get a better business to boost my income and help me raise money to meet my needs comfortably without stress and borrowing.

I spent my transfer on boosting my beadwork business by adding more stock to the business. It was going down and I needed to boost it before it collapsed. The rest of the transfers I used on buying food for my family. The little we had was almost used up and I did not want to wait until I run out of food in the house to buy more. I have saved the little that remained to help in future needs.

The biggest difference in my life is the business which I am sure I will have very soon. In the past before the transfers, I had the idea of starting a business but due to low income from casual jobs, the idea could not materialise. It was only a dream for me because I did not have anywhere I could get the capital for the business. With GD transfers, I have started my savings and I know I will accomplish the goal because GD will never fail to send me the transfers. I feel confident and given me the assurance that my future will be better.

Currently, I do not have any new goal. I am still focused on saving for the business. I would not want to continue struggling as I have in the past hence I want to ensure in the next three months, I will be able to start the business with these transfers.

I have saved my transfer and planning to start another business with the money. I have been doing a small groundnut business which has not been yielding so much income to help me meet my needs. This is why I have chosen to save the transfer to start a shoe business which I know will give me a better income to help me meet all my needs. I would want to have a better future.

Before GD came to my area with the money transfer program, I had no job and mostly depended on my mother for my needs. it was not such a good feeling because, at my age, the roles should be reversed. I had tried some domestic jobs but I had to quit at some point because they were quite irregular and the money I spent on my transport was even more than what I earned. Ever since I started receiving these transfers, I have managed to support my mother financially especially in critical areas such as paying part of my brother's school fees. I have also managed to start a small business on necklace and bracelet making for little income to take care of our daily needs. Even though I am still not where I would want to be financially, I know I am headed there with the great plans I have, and it is all thanks to GD.

I plan to start another business on clothes and shoes to boost my daily income which is not at a good place at the moment. currently, I make and sell bead items such as necklaces and bracelets which require so much effort to make yet earn so little. I am currently saving my transfers so that in the next few months, I can be able to start the new business for better income.

I saved the whole amount I recently received for the purposes of starting another business. I am currently making and selling bead items which don't earn me much and my plan is to supplement the business with clothes and shoe business hence reason for the savings.