"I expect to have bought the dairy cow and that means I will not be spending any money on buying milk for my family. We will have a way of generating income which we can use o pay my children's school fees, buy them clothes to dress well and even put food on the table for the family on a daily basis."

"I am peasant farmer growing maize , peas and cassava. I have wished expand my farm from the current 2.5 ha. to 5 ha. so that I may have enough food for my family of 8, but this has not been fulfilled due the the traditional way of farming( using hoes). Receiving this money means realization of my desire as I am planning to spend $ 380 to purchase oxen and ox- plough. This will assure me of enough food as will be able to cultivate my farm easily, A transformation I have longed for many years."

"I have been operating kiosk business in my house but in March 2019, I was diagnosed with heart problem something that made me to spend all my savings in seeking medical care. The business collapsed after 6 months of illness and I have wish to restart this business but it has been in vain due to lack of capital. Receiving this money means accomplishment of my desire in life as I am planning to invest $150 of my transfer in this business which will act as my reliable source of income. The remaining amount will assist me in repairing my house which is about to collapse."

"These transfers have made it possible for me to start a business that would have otherwise been impossible. Having an extra source of income, however little, from the business and assured monthly income from the transfers has made my life very easy this year, as compared to last year because I can now pay my bills on time and provide decent meals for my family. Before I started receiving these transfers, I only depended on the tailoring job which was irregular hence not sustaining."

"In the next six months would have started operating the new business which I intend to start. This will enable me to earn more since I will be having more sources to earn from. The profit which I will make from these businesses will enable me to buy a piece of land. We presently have a small portion which I inherited from my parents. This is not enough to fulfil my dream of doing large scale farming. I feel good and have hopes of expanding my farming activities."

"In the next six months, I hope that my poultry farm will have picked up well. I am expecting to get a good amount of money through this business considering the high demand for eggs in this region. I will not be struggling to meet my daily expenses because I now have two sources of income. I can now start pursuing my long term goals because I now have the means to reach most of these goals. I want to first focus on paying school fees for my children and investing in other projects."

"I have lived in this city for almost 20years and I have never gone back to my village since then. As I grow older, I get the need to go back due to the pressure that I get from my relatives to go and at least build a house that will also set my younger siblings free to build their own. In my culture, the younger siblings cannot build a house before their elder ones which is why it is important that I do this as soon as possible. I have been trying to make as much savings as I possibly can to enable me to achieve this goal I have had for a while, which is why I do not have any new one at the moment."

"Apart from my job as a hairdresser, I have also managed to set up a business in fish which I sell through my friend, courtesy of these transfers. This has been a very good financial booster because I have an extra source of income in case I don't make enough from the main job. The transfers I have been receiving enabled me to set up this business which I am very sure would not have been possible I were to raise the capital from my own savings. Having an extra source of income has also boosted my savings in our table banking group which is higher than I have ever saved in a year since I joined the group."

"The biggest difference in my daily life because of the transfers is that I now have a business of my own. It is a very big financial step in my life since all my life I have always depended on casual work. I did not go to school hence I cannot read and write well. This is why I just had to do casual work to survive. Now that I have a business, I will not suffer as I used to because I have a source of income which will help me make my life better."

"We recently had a fire accident which burnt down one of our business where we were running a barbershop. The shop has already been reconstructed and all that is left is to buy the equipment and machines which are quite expensive. However, with our current financial situation after spending a lot of money on the renovations, buying the required machines for the barbershop will be very tough, so I am planning to turn the shop into a boutique where I will be selling second-hand clothes which requires a very little capital. I will run this business for some time as I assess it's profitability compared to the barbershop while also trying to make decent savings fro any future plans. If the business will not be much profitable, I will get back to the previous one, but if it does well, then I will have it permanently."