"Receiving this money means better Education for my children. Am an elderly woman with two children in secondary school, paying fees as been a challenge for me since I only depend on farming and recently lack of enough Rains has affected production hence no income. I will spend ksh 50,000 on paying school fees and clearing remaining fee balance. The remaining amount I will buy a Dairy cow Worth ksh 30,000, foodstuffs and furniture for my house."

"My biggest hardship is putting food on the table for my family. This is because I have for so long depended on my farm to get food but prolonged drought has been a hindrance. I have tried to supplement this with charcoal vending but the returns are very little."

"Receiving this money means I will buy one acre of land costing 30,000 and then I will build my house on that piece of land which will cost me 40,000.I am living on a community land which I cannot own it myself and I am seeing the importance of having my own house on my own land . The remaining amount of money I will buy two oxen and a plough to start farming on that piece of land.two young oxen will cost me 30,000 shillings and a plough will cost me 9,000 shillings .I would like t establish good security for my family."

"Receiving this money means improving my business. I do a business of buying and selling charcoals at the market. I use a bicycle to transport the charcoal. This is very tedious and I only carry one bag of charcoal worthy 90kg. Selling one bag of charcoal earns me ksh.1200. I want to buy a motorcycle so that I can be carrying five bags of 90kg each per trip. This will make me earn Ksh.6000 per trip. The motorcycle will cost Ksh. 90000. I will use the remaining amount to buy a piece of land for agriculture."

"Satisfying the needs for my family of 9 children is what has been my biggest hardship. This is because I depend on selling charcoal which earns me as little as 4 USD a day. I have struggled financially moreso in buying food and paying school fees for my children. I have tried to supplement my income with farming but persistent drought has been a hindrance."

"My husband works as a barber. When Covid-19 came to our country last year 2020, his business stopped. The family was relying on my small business of repairing clothes for food. We had to go without food something that affected my children health. She became mulnutrition. That is the biggest hardship I faced in life."

"My dream has been to see my children excel in their education. We have experienced prolonged drought in my region and due to this, one cannot depend on crop farming as a main source of livelihood. My small piece of land cannot also allow me depend on crop farming. Buying milk and maize all year round leaves one financially drained and I do not want this to be my case as I want to see my children study up to the levels they wish. My transfers came in handy as it enabled me to purchase two heifers. When they reproduce, I will be selling milk and use part of the income to pay school fees for my children and to buy food for the family. I am grateful and can proudly say that my daily life has changed since I now live knowing that I will be able to achieve my dream without much struggle."

"It was around 8 o'clock in the morning when I received a message notification on my phone. Upon reading it's contents, my heart was filled with joy. I immediately knew that my dream of building a more spacious house for my family would finally come true."

"Receiving this money means improved living standards to my household. I plan to achieve this by spending Kahs.40,000 to buy four indigenous cows to produce for my own consumption. I will also spend Kshs.30,000 to buy ten indigenous goats. The remaining amount will help me cater for other basic needs such as food."

"The biggest hardship I have ever faced in my life is lack of regular income to meet my daily needs.This is because I depend on farming and it has been three years since we received adequate rain in our area.Due to this, I find it hard to save enough money that will help me cater for basic needs such as decent house and food and fees for my grand children.Sometimes, they are forced to stay home for long due to lack of school fees."