"Receiving this money means acquiring bulls that will be used as oxen to plough gardens, and starting a small business that will act a source of income to support my family life."

"Receiving this money means buying an acre of farm land. I own two acres of farm land which is nit sufficient. This will improve on my household's resilience to famine."

"Receiving this money means paying off a debt d land that I had mortgaged. I will be able to regain ownership of my three acres of land which will boost crop production. I will own oxen to enable easy ploughing for easy and early crop planting."

"The biggest hardship I have faced in my life is unemployment. I don't have a stable source of earning."

"Charcoal burning is basically what I have known as my source of income for the family. This job is no longer reliable to me since trees are not abundantly available and due to the strict measures placed by the government, it has limited me from doing it because of the worries I have. Therefore, lack of a reliable source of income is my biggest hardship."

"Receiving this money means financial independence to me. I plan to venture into poultry keeping project to enable me to support my spouse in providing for the family. This will cost me a total amount of $250 from building a poutry unit to buying chicken to start the project with. I also plan to build a more spacious two roomed iron roofed house which will cost a total of $350 of my transfer. I will also spend $250 to buy a dairy cow for milking and use the remaining part of my transfer to buy food and clothes for my family"

"Clearing school fees arrears for my children in secondary school, buying a dairy cow for milking as well as buying a 2000 litre water tank for harvesting rain water is what receiving this money means to me."

"Our major problem right now is water. Even though the nearest source of water is approximately 100 metres, it is in someone else land and I feel I am encroaching on somebody's property. I am now yearning to have clean and reliable tapped water in our compound. I am planning to use approximately $250 of my transfer to buy and connect water pipes in the compound from my neighbors place since it a communal water."

"In the next six months, I will have bought a cow as investment for my family. I will be savings part of my monthly transfers so that I can use it to fulfil my long time dream. Many of my colleagues in my neighbourhood have livestock and I would not want to be left behind especially after this opportunity by GD. I would want to make use of the opportunity and better my life by carrying out an investment which will be important in my life long after the transfers. When the cow reproduces, I will have milk both for my family and sell some for an income and the number will increase which will be advantage for me."

"My life will be different in the next six months in that I will be having my own livestock. It has been a dream which I was not able to accomplish on my own with my own income. This is because of my income from casual work which could not enable me to meet all our needs in time. Now that I have cleared fees arrears for my children, I will save part of my transfers and use the money to buy a cow. The cow will be the beginning of my livestock investment which I will name GD to be a remembrance of the change GD brought to my life."