"I am the firstborn son in a family of five sons, and I have been enjoying the family resources since I married, including a share of milk from my parents' livestock and a piece of land to farm on while my younger siblings are still in school. My family is currently living on a 0.8-acre plot of land. The idea of dividing it among five of us was a wake-up call, and we had hoped to start saving for an additional piece before relocating. My plan is to invest more in livestock, breed and multiply them, and then sell them and use the proceeds to purchase some land."

"We had been living in a single hut that we had built before the first transfer, with my spouse and our firstborn child. Because the family was still young, I prioritized spending on things other than building a new house because the current one served as both a kitchen and a living room. During this time, I was actively participating in the village's informal savings group with the other 19 members. Making a deposit of at least $3 every two weeks has been feasible, and I am confident that the accumulated share will support the construction of a new house when my turn to receive arrives. I am glad I have been able to consistently save biweekly, and I am hoping that my new goal of building a new house will come true."

"My two sons used to look for a place to sleep in the neighborhood, and they would occasionally fail, forcing them to share a small space that we had been using at home as a store. When I received the second transfer, I purchased construction materials such as 20 iron sheets for $8 each, frames and windows for $15, and labor for $40. I'm glad their house is finished and they are sleeping well in their own room now. I also purchased a heifer calf from a relative who required $60 at the time, which I had to pay with the remaining funds. The remainder was spent on food for my family of ten. I had been relying on subsistence farming and the sale of farm produce to pay my bills, but there is currently a devastating drought that has destroyed most of our crops."

"When I first received the transfer, I intended to buy a dairy cow, but the increased prices were due to the high demand created by the fact that most of the households went out in search of one. Because I couldn't go over my budget, I decided to spend some of it on a bullock with the intention of fattening it and then using the proceeds to buy a dairy cow. When we received the second transfer, cow prices remained high, so we had to bring in another bull worth $150. When one of the two matures, I will sell it to buy a cow and keep the other to pay school fees for my children later. In addition, I purchased 24 iron sheets for $9 each, as well as other materials such as nails and wood, in preparation for the construction of a new house. I have been living in a small house with my children since my parents passed away two years ago. I am glad the construction is still going on and hope it will be finished soon. In addition, I paid $30 for labor and received a $30 piece of furniture for the new house."

"The cost of purchasing food on a daily basis had been difficult due to scarcity and rising market prices. In the coming year, I hope to expand into farming in addition to my vegetable business, which I hope to restart soon. My son has been supportive throughout the time I have been out of business, and we have been discussing the return to business plan in the last few days. He is willing to give me the necessary start-up capital, and I believe that with it, I will be able to expand the business and make a profit, which will aid in the purchase of farm inputs."

"My husband and I never got the opportunity to go to school. This has exposed us to engage in strenuous activities like charcoal burning since we lack skills for better jobs. Our combined income from the charcoal work is usually $50 per month which does not fully cater to our basic needs in my family of 9. This has directly affected my children's education since a big portion of this money goes to food. In most cases, my children have missed classes due to a lack of school fees, a situation that has affected their performances. This has worried me most because their future life is currently at stake and as a mother, I feel the pain. Hence, financial constraints stand out as the main challenge that I am currently facing."

"The transfer's primary noticeable difference is the equipment my business now has. Prior to it, the business was not promising due to a severe lack of daily necessities such essential stationery. I lost some clients as a result of this. Right now, I am pleased that after outfitting my enterprise, I have regained the trust of my clients. I can tell with certainty that the transfer helped my business rebound because I have the majority of what customers want."

"Since I had no defined source of income apart from casual labor, I opted to buy a motorbike for business. The motorbike is used for ferrying people and light luggage from one destination to the other. In purchasing the motorbike, I bought it in hire-purchase because the amount could not allow me to buy it in cash. Therefore, I paid a deposit of $120 and I am paying a weekly installment of $24 for one year. I am very happy that I now have an income-generating activity. Despite having riding knowledge, I opted to enroll myself in a driving school so that I could possess the legal documents required for a motorist. I paid $120 in school fees for the driving classes. I also bought a sack of maize for $70 to ensure there is food security at home."

"In the next one year and beyond, I would want to have a better life. I have always been struggling with commuting to my school of study due to the lack of money to cater for my daily transportation cost. I would want to own a motorcycle to ease my transport to and from the school and with the transfers that I have been receiving, I have been saving some portion to help me acquire the motorbike."

"In the next one year and beyond, I would want to have my own livestock. I had started saving little amount on a monthly basis and I want to ensure that I have enough money to buy goats and with time trade them for cows, and during the cultivation period, the cows would be of great help to me as I would no longer struggle to look for money to pay out those cultivating my land."