"I expect in the next six months to have complete my house. I will manage this using the saving I have in our table banking and the transfers."

"My life has changed in that, I'm now constructing a permanent house. Currently, I stay in an old thatched house which is a haven for rats that have always destroyed our clothes and eaten our feet. In addition, these rats harbour lice that feast on our blood and deny us peaceful sleep. Previously, I didn't have the money to commence with the construction of the permanent house."

"My life is different in that I would not be in position to acquire the two bulls that will help me in the issue of agriculture. Formally, I used to hire oxen for ploughing which required me to wait on other people hence late farming and poor harvest leading to insufficient foodstuff in my home. Now that I have my own oxen this will not require me to wait on other people leading to timely ploughing and a proper harvest."

"My life has improved because I'm sleeping in a beautiful permanent house. Before, I could not continue with the project of building because I had other pressing needs like paying school fees for my 6 children who are in private schools. In addition, I have gained confidence and respect in my community. Before, some people could mock me and I lost confidence."

"The biggest difference in my daily life is that, I have gained self esteem because I have started constructing my permanent house. Previously, I was over looked because I was sleeping in a grass thatched house that I had to renovate on yearly basis."

"I felt very excited when I received my first transfer from GiveDirectly. For I knew, I was going to regain an acre of land that was under the control of the creditor hence more land for crop production."

"In the next six months, I expect to build a new house in my own compound. I have been living in my fathers compound and could not do much in terms of personal development because space was limited. My sons will have enough space to build their own houses and will not be forced to ask for a place to spend their night from the neighbours anymore."

"The moment I received my first cash transfer, I felt happy because I had received money for paying school fees and court fees for my children and regaining ownership of my land respectively."

"I expect my life to be better in the next six months in that I will not be doing more of casual jobs, I will be getting assistance in fee payment for my children school fee, will be producing milk from my own farm. I expect to lease more piece of land to use for commercial farming. This will improve my financial status."

"With two years of experience working as a hotel cook, I feel that I have what it takes to start and run my own small hotel so that I can be financially independent in the long run. It is my dream to see my children well educated and this venture will give me good returns that will ensure they stay in school as I will be able to pay their fees consistently. Secondly I will buy iron sheets to complete roofing my house that has taken a while due to lack of funds. Thirdly, I will purchase some goats because they are more drought resistant and marketable compared to cows. "