"The achievement I am most proud of is the bumper harvest that I got last year from my farm which made me feed my family with ease and sold the surplus and bought one cow and two goats."

"My greatest achievement I am most proud of is joining mondo tek women group in 2016. Through saving in the group,I was able to buy one goat,Television and chairs."

"The biggest hardship I face in my life is lack of beddings (such as mattress and blankets) as I sleep in the cold during chilly nights."

"The new goal that I have is to start a hardware business of house construction materials. This is my specialty. My profession is masonry. I will be able to generate an income from the business and I will run it well because I understand the field quite well."

"The biggest hardship am facing is feeding the family owing to the poor harvest and dry season that we are currently facing."

"My biggest hardship in life is the ill mental health of my husband that leaves the whole responsibility of the family on my head."

"I expect my life to change in the next six months in that, I will have built my house ( simba) hence having all the freedon since currently, I stay at my grandmother's place which is uncomfortable especially whenever she has a lot of visitors."

"My proudest achievement is having cultivated maize/corn in my farm and after selling the harvest I was able to buy iron roofing sheets which I used to replace my previous grass thatched roof."

"I spent my third transfer on 2 bulls to support land preparation and hopefully increased food production at family level. I also bought a heifer that we hope will provide our milk in the near future and save us from buying all the time."

"My life is currently different than it was previously. I am happy because I can even get a loan with assurance that I will pay it without fail. The transfers have given me the freedom and assurance to repay should I need a loan."