"At the moment, my life is so different in that I now have clean lighting system at our home. Before, I would spend alot on buying kerosene and the lighting was so poor. Again, we have good good furniture in our home which are much comfortable."

"Before, I was living a stressful life as a parent as I couldn't afford to pay school fees for my child. After receiving my transfers, I was able to pay school fees. Now I can afford to concentrate on farming."

"My life is better now in that I have livestock which I managed to buy with the transfers which I received. I couldn't afford to buy any since I was struggling to provide food for my family. Again, I bought furniture which we put on our house which had none. Now we have comfortable seats which when we have guests they can seat on comfortably"

"My life is currently different from how it would have been had I not received the transfer because if it was not for the money I would still be rained on whenever it rains. The previous house was in a worse condition, it was not different from staying in open air. The door was not lockable, had a leaking roof leaking and the a bigger part of the wall had fallen off."

"My life is currently different from how it would have been had I not received the transfer in that if it was not for the money I would still be languishing in poverty. Previously it was a real challenge to afford a whole day's meal. I am glad I am currently earning daily income from the motorcycle business."

"My life is currently different from how it would have been had I not received the transfer. Previously I did not have a reliable source of income yet I had a lot of responsibilities to meet. Receiving the money enabled me to make a great step in life. I now have an additional source of income from the motorcycle that I bought with the second transfer. Besides that, I was able to purchase a piece of land where we shall construct our house. We are currently staying in our father-in-laws' grandparents home. The family is big and we are running out of space. Having my place will make me independent."

"Financial inadequacy has been the biggest hardship we have faced in life. I am a business lady in a nearby center selling groceries earning a profit of approximately Ksh 300 a day. Owing to the difficult economic times we are in, that amount of money cannot sustain a family of 5. I have 3 school-going children who are all in primary school. The money I get from my small business is not enough to cater for food and meet other school expenses."

"I am physically disabled due to a certain syndrome that paralyzed my legs and so I cannot be able to walk nor stand on my own. I depend on my kids to fend for me and so receiving this money means a lot to me in the sense that I will finally be able to create a source of income to cater for my needs. I intend to buy one dairy cattle for 30,000 shillings to supplement me with milk and sell the surplus to local customers on a regular basis. I will then keep the rest of the money to cater for my medicine( majorly antibiotics) and food."

"I have not been able to own any dairy cattle due to my financial status. As a result, I resolved to borrow one from my employer on the condition that I will look after her as I milk but when she calves, the owner comes for her. For the past few years, I have been doing this periodically without having the means to buy mine. The effort put in place to ensure that the cow is always in good condition and the fear of something happening to her like death is the biggest hardship I have ever experienced. This is because if the latter happens, I have to pay for her."

"Remaining as a housewife in our village equates to sleeping hungry for a few days, as one waits for the husband to provide from the casual jobs. Because of this reason, I opted for charcoal burning as my source of income. This job is very tiresome and equally low-paying, but since I have no option, I am forced to doing it to earn a living. Therefore, the lack of a decent job is the biggest hardship that I have ever faced in my life."