"In six months’ time, I expect to have begun a shop business. I hope that the proceeds that I get from this business will be a boost to my family in terms of basic needs provision, school fee payment and general wellbeing of the members."

"Currently, my life is different from how it was in that, I do not rely on loans to take care of the primary and secondary needs. I have been able to boost my business and this intern has increase the profits that I get. On many occasions, I have found satisfaction in this business since I have never lacked anything or being in an awkward position of taking loans."

"In four months’ time, my new goal for my life is to venture into the shop business. I live in a village where shops are fetched far apart. One would take quite some time before reaching to a shop. Although this shop is also an income-generating activity, I believe I am trying to give back to society by bringing services closer to the people."

"In the next four months, I would want to save my transfers so that I can be able to start a cloth business. I would want to have a source of income which will sustain my needs long after the transfers are done."

"Currently, my life is different from how it was in that, I am a stress-free man. Before then, I could strain myself to a point that I lost appetite. I did not enjoy any meals with my family because of thinking of how to take care of my needs. Most of the time, all the budget was on my back and as a casual laborer, it could not be enough to take care of most of my needs. I had to make a lot of promises to many people as I planned to repay them the amount that I owed then. Getting the money was life-changing since I was able to start a business for my wife which has been a major boost in terms of handling some of our primary and secondary needs."

"In four months’ time, my new goal for my life is to venture into the business of buying and selling milk. This is one of the businesses that do well in our region and also a manageable practice. Through this, I am very sure that the returns would be good for me and also help maintain my family."

"I have been doing two jobs. I have one that I am paid which I normally finish by around one o'clock and the other one is like a course which I am determined to finish in order to start my own salon. When I received the recent transfer, I decided to spend a large portion of it to rent a business premise and buy most of the items that are needed for me to run my salon. I am yet to finalize logistics and start operating it by next week. I feel so happy about the decision that I have made since I know that this is where I will get money to meet my goals. I finally decided to keep the remaining amount of money as savings hoping to buy some other business items later on."

"During the period that I was out of business, I had a very tough time financially and was forced to take a lot of loans to pay the bills as my husband also did not have a stable source of income. Being in debt never gave me any peace of mind as I tried my best to always avoid bumping into my those who had lent me money so I was always hiding. I feel very free now that I have cleared all the debt and also have a business to take care of my daily needs."

"Before I started receiving these transfers, I had a kiosk business where I sold soft drinks and some snacks. The business eventually collapsed as we took out more than we put in forcing us to spend even the capital. Life was a struggle because I had to provide for my family through other means such as plumbing which is not usually very available. It was even harder as I got no financial support from my wife who had no job and I had to struggle on my own. With the transfers, I have managed to revive the business which is currently doing so well and is being run by my wife who is very happy that she now has a place to go to every morning. We are currently at a very good place financially as we are able to raise enough money for our needs through my plumbing jobs and the business where we now sell to individuals and even supply to other shops nearby."

"The biggest difference in my daily life is that I have built a better and spacious house for my family. We used to live in a small mud house that could not host all my family members comfortably. The house was also leaking from the inside and cooking during the rainy season was a big problem. I depend on casual jobs in the village to earn an income and I use this to pay part of the school fees for my children. I also do small scale farming and the produce from the farm is only for consumption. Getting money to construct a house was a big challenge. My children could spend nights and the neighbor's and this was demoralizing them in that they could not finish their assignment on time. currently, I have built a better house that can host all the family members comfortably and we are no longer exposed to cold like before. My children are no longer spending nights at the neighbors which were so risky because of the movement at night. I am so much happy because I no longer shy to welcome visitors to my house. I am so much grateful for the support." (Occupation: Small business)