"At my old age it was hard and frustrating for me to walk far distance in the village from door to door in search of cow-dung that I used to smear my previous mud house hence I spent my third transfer on cementing my house as I have always desired and for sure the stare of my house brighten my day every morning . I also bought 12 cushions for my chairs and food for my family's consumption."

"The happiest part of the day is afternoon after milking the cows iam raising."

"I live in a bigger house which I built using the transfers i received from GD.This to me is a way bigger change in life. I have a herd of cows I bought from these transfers too which acts as a financial security for my family."

"I spent my third transfer on paying school fees for my two children in primary and kindergarten respectively and bought seats in my house. I also started a business of selling clothes to earn a living and used some amount on treating my cow that was sick and finally the remaining amount went on food for the family's consumption."

"I am planning to spend my transfer on buying a dairy cow."

"Last year,I prepared a tree nursery and in it planted 15000 tea seedlings.By early this year,the seedlings were ready for transplanting and I got ready market and sold all of the.From the sale I was able to earn a good amount of money with which I bought a cow and built a wooden house.This is the achievement I am proudest of"

"I am planning to spend the transfer in buying a dairy cow.This is because the cow i keep now belongs to arelative and having my own will also generate some income through sale of milk as well as provide milk for my children"

"I spent my third transfer in purchasing a cow and a goat because I believe they were going to add value in future and help me financially.My husband has a motorbike for taxi business so we used part my third transfer in repairing it because it is the only source of income and livelihood in my family."

"The biggest hardship I face in my life is that I am very old and I have two children in high school who require fees. This at times forces me to sell my cows so that I can pay their school fees thereby reducing the number of cows that I own."

"The greatest achievement that I am proudest of is that we have managed to buy about an acre of land using returns from the sale of my only two cows. Initially, we had a small piece of land that was hardly enough for us to settle and farm. I built-up savings using gains from my casual work and purchased the two cows. Luckily, my husband provided financial support and we bought the piece of land that serves as our main source of living - where we live and farm."