"In the next six months, I expect my savings in the Mshwari account to have accumulated enough to acquire me at least a cow." (Occupation: Small business)

"I have a new goal of reviving my fish business and expanding it more. It was a business I was doing before that collapsed due to the over reliance that we had on it." (Occupation: Small business)

"I do not have any new goals for now. I just want to grow in business and to buy my own plot."

"My life is currently different in that I expanded my small business and making better profits" (Occupation: Small business)

"I have a new goal of building a bigger house that will fit my family. This goal to came to my mind when we knew we would be receiving money monthly with my spouse." (Occupation: Small business)

"I spent most of the third transfer to build a spacious comfortable house, since l was staying in very small house where l was being forced to squeeze myself with my family. The remaining balance l spent to pay school fee arrears for my child who in secondary school, after she stayed home for sometimes because of the arrears." (Occupation: Small business)

"The new goals that I have developed since I started receiving the transfer include buying a cow and engaging in more improved farming.I also want to improve my business."

"I expect to have started sustainable business that will give me income hence i will be able to depend on myself." (Occupation: Small business)

"In the next six months I expect my life to change in that I may be able to build a house as a result of my business"

"I expect to enroll in a business management course in the next six months after completing the current course I'm doing. This will add me an advantage while seeking employment."