"Before I started receiving my monthly transfers, I had taken a loan from our table banking group. I had used the loan to buy building materials such as iron sheets, timber and nails which I used in putting up a new house. I was living in a grass thatched house and I felt I needed to upgrade hence I took the risk. I did not know when I will get the money to pay back yet I depend on casual work and motorcycle business as my main source of income. Before I was done with the building, I started building the house, I started receiving my transfers on a monthly basis which I have been using to pay back the loan I took. I am glad am done with the loan through GD transfers. I would not have managed to clear the loan by now on my own."

"My life is different from how it was in that I sleep in a comfortable place after buying two mattresses using the transfer. I also live in a decent house. The best part of it is being able to boost my business once again with the remaining amount of money. I normally trade goats. Now that I managed to fix a steel door, I will no longer be worried of the security of my house anymore." (Occupation: Small business)

"My life is different than it would have been if I never received the transfer in that, today I trust that in a few days, I will be living in a decent house courtesy of GiveDirectly's transfer. I decided to used the whole of my second transfer on building a house which is almost done because the current one is in a pathetic condition. A decision that I do not regret making. I also plan to goats and revive my business with the remaining amount of money."

"My life is now different because I managed to buy livestock such as goats and chicken. These have been the well thoughtful assets that I can depend on just in case of any financial crisis. Currently some of the goats have started reproducing which is making me hopeful. When the offsprings multiply and mature enough, I will start a business of selling them and then I will be saving the money and start some other projects. In addition to that, I will be able to send all my children to school because currently most of them are still young. I believe by the time they will be joining the school I will have enough that I have saved and i will not struggle in paying their fees and meeting their daily needs as well." (Occupation: Small business)

"My life is different from how it was in that, I have a cow and my business has expanded using the transfer. Were it not for GiveDirectly, I do not think if I could have ever reached here. Maybe my business could have collapsed."

"My life is different from how it was in that, I managed to start a business with the transfer. I am not only a farmer but also a business person. Most of my needs were met on time. Were it not for GiveDirectly, I could have maybe resorted to loans."

"Coming from a large family of 7 men, the ancestral land is becoming smaller as the family expands and one of my biggest concerns is lack of enough space for cultivation. I, therefore, intend to use my first transfers to purchase a piece of land, and that will be a dream come true. I will no longer have to purchase farm produce from neighbors as I will have enough space to grow my own. Additionally, I desire to venture into goat rearing business --accordingly, I will purchase 10 goats for a start and as they continue breeding, my financial stability will be strengthened, and that is what receiving this money means to me."

"Receiving this money means acquiring bulls that will be used as oxen to plough gardens, and starting a small business that will act a source of income to support my family life."

"I am happy because I started the construction of a permanent house. Previously, I had no hopes having lost my job. I had much more family needs and responsibilities. With the fish business that we started, we earn daily income to support the business. The cash transfers have empowered me alot. "

"I have been having the business two years before the transfers. It has not been doing well because it has been my family's main source of income. Every household need has always depended on the business and this is why it has not been doing well. I have always used my business resources for my family needs. I was feeling like my business would collapse because of the burden it had. This is why I have been using transfers to boost the business on a monthly basis. I am, glad the business has grown from street to a rented premise for the business which has also impacted positively on my profits."