"One thing that I am proud of the most is the fact that I now have my own piece of land. I am currently building a house and once done, I will relocate and live here. I will have the freedom to do various activities such as farming unlike where I am currently living where there is limited space to farm. I also have a running restaurant business courtesy of these transfers. Before these transfers. I had an idea of starting this business but since I did not have any capital to start up, I couldn't. Receiving these transfers has challenged me to be industrious and hardworking."

"The biggest hardship that I am faced with is inadequacy of money to fully meet the education needs of my children. My husband is a soldier who earns salary but this is not enough to take care of the need. Sometimes my children are sent out of school for failure to fulfil the requirement which makes them miss a lot in class. I atribute their poor performance to this."

"The biggest hardship that I am faced with is the fact that I don't have oxen that would support in cultivatin. I do not have the amount of money that can enable me to buy and yet there is need. I cultivate late because I have to wait untill someone offers to support me. It is one of the reasons that I have always got low yields and food shortage in the end."

"My life is different now in that soon, I will start building my permanet house and move out of the leaking and falling grass thatched house. Secondly, my health has greatly improved as I am now able to afford medication compared to before when I could be bed ridden for a longer period of time without money to take me to hospital. "

"Receiving this money means I can buy livestock and household items. I currently don't have any investment for my children so buying livestock will in away be a financial insurance for their future."

"The biggest hardship I have faced is limited land for agriculture. From the time I handed two acres of land to the creditor as collateral, I nolonger have enough land to cultivate."

"Receiving this money means owning two oxen and two cows. The oxen will support in ploughing land while the cows will be an investment for the household, a source of milk and income for meeting other household needs like treatment. It's a challenge to plough land because I do not own any oxen and any investment at household level."

"Owning oxen is what receiving this money means to me. The oxen will support in ploughing and some times, I can plough in people's gardens in exchange for money that will be income for the household. I will also be able to buy household items like bedding in order to improve on our livingstandard. I own a small mattress that does not give any comfort at all. This is the reason I am thinking about it."

"Receiving this money means that I will manage to get treatment. I have been disturbed by urlers for long period of time but just endouring due to inadequate money. My life is in danger since some times I cannot even Carry out any work. Givedirectly transfers will enable me seek treatment in better health facilities hence my life may be out of danger. If any balance remains ,I will spend for completing my iron-roofed house."

"Receiving this money means owning cows as an investment to the household which will improve household status. For a mean time, I will be able to hire oxen to plough land in order to facilitate early planting and better yields. I will be able to pay school fees in time which will enable my children attend classes fully hence better results."