"I am always happy in the morning because I believe this is what will make my day a good one. I spend most of the time in my compound doing house chores like cleaning utensils,washing clothes and fetching water."

"Receiving this money means I will be able to access clean piped water. I live in a place that is in close proximity to treated piped water but I have been unable to draw water to my homestead due to lack of funds. I will therefore use $100 to pipe water and another $300 to buy water tank. Additionally, I plan to use another $300 to install electricity in my house. I will also improve my cattle breed by buying one dairy cattle at a cost $400 and the balance to buy feeds."

"Since I am just a housewife, my day entails doing household chores in the morning and later go to work my garden of 0.3 acre piece of land. I will work there until late in the evening after watering and harvesting some for dinner. Evening is the only free time I have to rest as I chat with my children which also makes the happiest part of my day."

"Part of my roof leaks in water during rainy seasons, thus this money will enable me to renovate the roof as well as install ceiling boards in my house. I also intend to buy a dairy heifer costing $200 that will be a source of milk for my family consumption as well as income in future when it multiplies. I will then save the remaining part of my transfer to buy nutritious food for my spouse who has been ailing from stoke for the last 7 years."

"I spend the morning hours doing house chores like cleaning the utensils,the compound and fetching water. I then go to the farm and later in the afternoon ,I fetch firewood. At the end of the day I am usually very tired . Evening is the happiest part of my day since I get to rest after a busy day."

"Our are is experiencing prolonged drought for a period of 8 months each year, during this times I am struggling to get fresh water for my family. Receiving this money means the realization of my dream of owning a water tank that I can use to store rainwater for my family. My plan is to spend $350 on purchase the water tank and gutters for water harvesting. I will use the remaining amount to seek for medical care for my husband."

"My day starts with household chores which include fetching firewood and water. When I am done with that, I proceed to work in our 1 acre piece of land for the rest of the day where we have have grown maize and beans. Since the job involves a lot of energy, it leaves me tired and exhausted. Going home to rest as I prepare for the next day's activity, makes my evening the happiest part of my day."

"I used the money to buy building material such as; iron sheets, stones, sand and cement which I used to build a new house. I decided to build a house, because the house I was in before was leaking from the roof and water was also flowing into the house when it rains."

"My life as a vet officer is now better than before.This is because I topped up my first transfer and bought a motorcycle which enables me access more remote areas within short time.Hence more income and more time spent with my family. The second transfers enabled me to buy a heifer which is due hence adequate food for my family. I also have access to clean piped water."

"My life has changed because my movements have been made easy with the bicycle I bought. In addition, I also use it for collecting water from the borehole. Previously, I used a wheelbarrow for collecting water which could drain alot of energy. Secondly, I have repossessed my farm land which I had use as security for the loan."