"I expect my life to change in the next six months in that I will have built a new house. I want to use part of my monthly transfers to continue buying building materials such as nails and timber so that I may build a new house. I would not want to continue living in a grass thatched house."

"My new goal is to start a business. I am a housewife and I depend on my husband for everything. I know that when I achieve this goal I will become independent. I usually feel like am a bother. At times, it is even embarrassing to ask for the cheapest household items. I am grateful to this organization for empowering me financially and making me know that my dream is valid I only need to look for money to actualize it."

"I do not have a new goal at the moment. I want to make sure that I complete constructing the house that I had started building a few months ago with the second transfer. Owning a house will allow me to settle and allow me to start doing other development projects and income-generating activities"

"I have been operating on animal trading where I buy livestock at a lower price and later on sell them at a higher price and that is how I make my profits. So for the next few months from today, I will still be working on the same business and I expect that a lot will change because once I get enough money then I will be able to construct my new house."

"Personally, my life has really taken a new direction. Before I lived in a semi-permanent house since I lacked enough resources to construct a permanent house but that has changed. I now live in a permanent house, I have paid my wife's dowry and together with my brother we own a motorcycle that generates income on a daily basis. To me, it has been a life-changing moment."

"The biggest hardship I've faced in my life is starvation. Living in an ASAL area like this come with its fair share of adversity. Seasons have changed so much so that we no longer know how to practice timely planting since weather changes extremely every two to three months. I've seen livestock succumb to starvation due to drought. When this happen, we lack food to eat and children are forced to drop out of school due to lack of income. "

"I would not have managed to buy a motorbike and would still be hiring a bike to earn a living. This would mean paying my rent would still be a struggle and sustaining my household needs would have been next to impossible. But since I have my own, with the profits earned I am able to meet all my needs comfortably with no strains."

"In the next six months, I expect to have saved enough money to purchase both cows and poultry for rearing. I have always considered livestock as an investment because in the future after they have given birth I'll have additional cows which I can sell in case of an emergency. In addition to that, I'll get milk from them after they have given birth. The poultry is also a good source of income and food for both family and visitors."

"I expect my life to change in the next six months in that I will have plastered my house. I want to use my monthly transfers for savings so that I get the required amount of money for plastering my house. I would want to make it strong and presentable."

"In the next six months l expect to have hire a farm and would have planted the whole of it and expecting a good harvest."