"Receiving this money means that I will in position to buy animals. These animals (cows and goasts ) I shall give to my in-laws as an appreciation for thier daughter."

"The biggest hardship that I am faced with is sickness. My children are very sickly and yet getting money to take care of medical bills is a big charllage. "

"The biggest hardship that I am faced with is lack of money that would otherwise enable me to start up an income generating activity. "

"My life has changed for the better because this transfer has enabled me construct an iron roofed house. Before, my greatest challenge was renovating my hut, at my old age I moved to swampy places looking for grass."

"My life is different in that, I have been in position to purchase all the required materials to construct a permanent house for my self. I have also accessed medical treatment easily as a result of this transfer. I'm currently sleeping in a grass thatched hut that leaks whenever it rains and renovating my hut is difficult because the grass is very scarce in our community. I would have been in debts of paying my medical bills or I couldn't have got any treatment at all."

"In the next six months, I expect to have started the business so that I can have a source of income."

"It was around 4 am when I was awoken by vibration from my phone. At first, I was hesitant to check the phone because it's unusual to receive a message at that time. Before recollecting my self, my spouse reached the phone, read the message and shared the news with me. It was such a joyous moment and we thanked God."

"I expect in the next six months to have saved enough money that will necessitate the construction of my cemented house hence I will no longer face the challenge of walking around the village in such of cow dung which has been time-consuming to smear my current mud house. The cemented house will be stronger and sustainably as well."

"I am expected to complete the course in the next six months after which I will be able to seek employment. I expect a great change in my life because I will be having an income of my own that will enable me to take care of my over-burdened mother and even ensure that my siblings stay in school and not end up dropping out as I did due to lack of school fees."

"With these transfers, I am now able to buy quality seeds and other farm inputs that give the best yields. I hope that in the next six months, I will be making double the amount of money I get from my farm now. This will be great on my side because then, I will quit other casual jobs that I sometimes do and fully concentrate on my farm."