"Receiving this transfer is going to help be start a new life , l will be able to start a business and give my children the best education. "

"Receiving this transfer gave me joy ,nowing that my dream of starting a business is coming to a reality . I will be able to pay school fee and provide for my family."

"It's will mean a lot to me because I can now start my own business."

"Receiving this money will mean that my problems are over. Finally, I am going to build my own house, like my peers and even start a small business."

"Receiving this money will mean so much to us. We will be able to start a fish mongering business that I could not start due to lack of capital."

"I am very happy and at peace because my children's school fees are sorted for the term." (Occupation: Small business)

"Our relationship is currently legitimate after paying the dowry. This is the biggest difference we can mention in our daily life-we are happily married and our relationship with the in-laws has improved too." (Occupation: Small business)

"I spent my second transfer on purchasing food for the family consumption, paid school fees and bought school uniform for my child. I also invested in a business that my wife is currently operating to get income and spent the larger percentage of the amount on building a decent spacious house to avoid paying rent."

"I felt very happy when I received the cash because it gave me hope for doing farming that I always do every season" (Occupation: Small business)

"I spent my first transfer on paying school fees for my son who is in form three and I also spent part of the remaining transfer on boosting my cereal business that acts as my main source of income"