"My mum passed on two years ago. Since then my dad has not been able to construct a new better house. I always believe mom would have worked her way out and ensure we had a better house. Since I started receiving these transfers, I am planning to save the coming transfers and use it to construct a new house for my dad. I want to revive his hopes of living in a better house despite the death of my mother who would have helped him construct another one." (Occupation: Motorcycle or bicycle taxi)

"Water shortage has been a major challenge in this region. With the inadequate rainfall evident here, we normally depend on water pans which are kilometers away. In some instances during prolonged drought, the water pans dry up again leaving us with no options other than to hire motorcycles to help in ferrying water every day. It is very expensive and time-consuming. It has also been a limiting factor for farmers who raise livestock. This has particularly affected me before because I had to dispose of some cattle due to lack of adequate water and pasture. As a result, I intend to use a huge portion of my transfers in putting up water reservoirs that will help in collecting enough water whenever it rains. This will save me a lot of money that can be channeled into other pressing needs like education and food. Subsequently, I plan to revive livestock rearing now that water will no longer be a problem. This venture has a high return on investment rate and that is what receiving this money means to me."

"The biggest difference is that we are earning daily income through the motorcycle that we purchased. This is my greatest achievement so far because previously I had no income generating activity. We depended entirely on the sale of the surplus food crops."

"The greatest difference is that I have access to transport because the cash transfer enabled the repair of the motorcycle. Previously, transport was a big concern to me. I had to walk for long distances or had to hire a bicycle. More so, the cash transfer has also facilitated easy harvesting of my food crops."

"I expect to save more, add to my other savings and buy a motorcycle to help in generating income for the family. This is the main source of income for my family. Having one more will guarantee that we will never actually lack finances during constraints." (Occupation: Motorcycle or bicycle taxi)

"Acquiring a motorcycle has been the biggest difference in my daily life. Since buying the motorcycle, we have been getting an income through the provision of taxi services in our locality. This income has enabled us to fulfil our families basic needs such as daily foodstuffs. Apart from this, I also use the motorbike to fetch water, since water shortage in our has affected us severely such that we have to travel for several kilometres. Thus it has relieved us of the stress of carrying water by ourselves over a long distance which is tiresome."

"The biggest difference in my daily life is that I have expanded my small business of selling milk and I get higher profits and the rate of return is also higher compared to the previous times. I used to hire a motorcycle for transportation and it was so costly but nowadays I have my own which cut the cost by half. I no longer depend on someone else for transport and this has enabled me to attend to other activities at home because I save a lot of time. Before most of my clients were complaining of lateness during milk collection and this was caused by transport that was a bit challenging on my side. I have maintained all my clients and I no longer get complaints because I do the deliveries and payments on time."

"The moment when I received my money I felt so happy. It was early in the morning when I got the message. My spouse was so happy too and from that point, everyone was awake in the family. I have never received such amount of money before and this was my biggest day ever. I knew that I would soon achieve my plans for building a better house for my family." (Occupation: Motorcycle or bicycle taxi)

"My happiest moments is always evening hours. The whole day I do ride motorcycle as source of earning and my children are so lonely at home since their mother abandoned us. Iam much more relax and feel comfortable while chatting in the evening with them."

"If I never received the transfer, I would have really struggled to earn a living. I would have managed to buy a motorcycle as I did with the very first transfers I received, my income wouldn't have been steady like it is currently."