"My life is currently different in that I am independent and hopeful. I have hope in life and happier than I was before. I can now buy stuff that otherwise would only be a dream."

"In the next six months, I expect to have opened the shop I have always wanted in my life. I want steady income and plenty to eat."

"The biggest difference in my daily is that the transfer has enabled me to pay all my daughters school fee once and with the crops I have planted I expected a good harvest that will enable me clear the coming terms school fees, before recieving this transfer I couldn't finish all my daughters school fees once."

"The moment I recieved my first transfer I was very happy because the transfer came at the right time when I needed it most."

"I spent the whole of the last transfer to build a spacious comfortable house, since l was staying in a very small house that could not accommodate me with my family being that l have a very big family."

"I spent most of the last transfer to build my own home since l was staying at my brother's home where l was not comfortable mostly to do my personal development."

"I spent most of the last transfer to pay debt that l had with merry go round group, this debt was really pressuring me. I also spent the transfer to buy mattress since l was sleep on a very small uncomfortable mattress. The remaining balance l spent to pay school fee for my child who was joining secondary school."

"I spent most of the last transfer to plaster my house since, l have been longing to staying in a nice plastered house and l could not afford. l also spent the transfer to buy furniture since l was sitting on water container."

"I spent most of my last transfer to build my own home since l was still staying at my in law's home. I also spent the transfer to buy fishing net which l am using for fishing and to get my income. The remaining balance l spent to buy furniture."

"I spent most of the last transfer to buy fishing net as my source of income since l am using it for fishing. I also spent the transfer to pay school fee for my sister who is in secondary school. The remaining balance l spent to buy one bag of maize for consumption."