"Receiving this money is a great deal to my business of selling cereals. I will invest part of my first transfers in increasing stock; through this, I will get more income that can comfortably meet the needs of my children. Secondly, my husband is thinking of starting up a motor vehicle garage. He has expertise and vast experience in car servicing and repair. That done, our livelihood will improve greatly. Again, he'll create job opportunities for other people especially the youths."

"Financial constraint is my biggest hardship. This is because I do not have a stable job to earn me sustainable income. In this regard, I cannot provide basic needs for my children. In most cases we are forced to go without food. It is also difficult to pay for their education which has made my son to drop out of school."

"The biggest hardship I have faced in life is lack of food. This area is so dry that even if we grow crops such maize, beans or even kales, we hardly get enough due to drought or even we harvest nothing completely from our garden. "

"We have experienced low rainfall last season and this made my farm not to produced enough food for my family. This has really drained me financially because I have been forced to buy maize flour and other food items that I would easily get from my farm. To make it worse being a widow and at the same time having a child in college is expensive for me as I have to look for alternative sources of income which includes hawking fruits like mangoes at the local market but it is still not enough. "

"I will buy two cows and an oxen plough so that I can be able to increase the size of land that I grow crops on. I will spend part of the transfer on paying school fees for my children as one of them is in Form one. The remaining amount will be spent on buying food for my family. "

"The lion share of my earnings is always channelled to school fees payment but still the fees is not fully cleared.Sometimes we are forced to go without food but pay the school fees because I believe that educating my children is the only way I can escape the poverty trap. Balancing between this and other basic needs such as food,medical expenses and shelter is not easy.So the biggest hardship I have faced remains straining to pay school fees."

"I have five children who currently need school and my income is very low to support their education hence I will spend part of the cash in ensuring that their fees are paid. I used to sell juice and sodas but my business collapsed due to poor starting capital but with the transfers I will be able to revive my business. "

"For the whole time I have been working, I had never received more than 5000 KES and receiving this money made me more happy. I even called my parents and informed them of the good news and that my dream of having my own business will become a reality."

"Since I did not go to school, I do prefer doing business hence I want to start a boutique business which I believe has good profits to help me in making my family life better and taking my children to good schools than where they are studying now."

"I was very happy and thanked God because I did not know I could get such amount of money at this time in my life."