"Receiving this money means a lot to me since it will enable me to buy Two dairy cows worth sh.30000 each and three rolls of barbed wire. I do not own any cow at the moment, I usually depend on my family for milk. The barbed wire will protect my piece of land as well as crops. There have been some neighbors who graze their goats on my piece of land and sometimes they destroy my crops, this disappoints me a lot. Give Directly's money will therefore help me to gap this challenge and peace will prevail between me and my neighbors."

"I spent most of the transfer to boost my livestock rearing project .We were lucky enough that with only 30,000KES, we managed to secure one dairy cow and five goats. We purchased them same day after receiving the transfer since we could not wait as prices are always heightened whenever we receive transfer. I used remaining amount to cater for school fee arrears for my children"

"I have been faced by a myriad of challenges . My mother passed when I was in class three,my grand mother took us to stay with her .I would go to school then during lunch break whenever I could come home for lunch most of the time I will find none. So going back to school on an empty stomach was really hard .My upbringing was not good ,I didn't get the best education like other kids .As I have told you I dropped in form one ,If I had an opportunity to further study,my ambition was to become a nurse. My dream diminished at an early age."

"I have always wanted to own my own small business that will continually give me income to meet my family's needs. I plan to invest the whole amount in starting up an Mpesa enterprise.The returns or profit from this business will help me meet my basic needs.Receiving this money means financial freedom for me."

"Receiving this money means my long time dream of have a better house will be fulfilled. I have a grass thatched house and it tends to get smoky when cooking. It's even difficult to cook when you have visitors. I plan to construct a iron roofed house. This means i will be able to collect rainwater. To get clean water you have to buy from the water kiosk within our village but it's not sustainable. I expect to cost around 200 dollars. My husband love chickens and he has always wanted to start eggs business. So when we get this money we also plan to purchase layers. This will help us generate more income and also household use. I plan to use 200 dollars of my transfer to buy them. The rest of the money we use for our personal needs."

"When i get this money I want to buy a heifer. Usually my mother gives us milk for our household use but since I am now independent I need to provide for my family. My area is prone to draught, so i need an ordinary cow who can survive with this weather conditions. A good heifer cost around 300-350 dollars. I also need to buy a water tank. We get water from the river far from my household. This water is not even safe for drinking. A water tank of 2300 litres will go a long way. This will cost me around 1700 dollars. The rest of the money we use to for household needs."

"Lack of employment opportunities in this area has been the biggest struggle we face. I am the sole breadwinner of my family and the casual jobs I engage in earn me $20 weekly. This amount is only enough to buy food for my family. My firstborn child will start schooling next year and this worries me since I doubt if I can either afford to buy her school uniform and books or pay her school fees."

"Financial constraint is the biggest hardship in my life. I get about $ 60 per month from my farming activities yet I spend about $ 1000 in school fees alone. I have to look up to my husband to fill the deficit. His small business also earns him approximately $120 per month which is shared between the two families as this is a polygamous family."

"The biggest hardship in my life is food insecurity. I am a subsistence farmer relying on casual labour to earn a living, getting about $2 per day. This means that I don't money to buy farm inputs as I spent my income on foodstuffs. I always plant too little and also not on time. It leads to poor yields that does not feed my family sufficiently, year in year out."

"My life is different than it would have been if I have never received the transfer. I am now much happier, having settled my children's school fees. Previously, my kids used to miss a lot with regards to education because of being sent home to collect the fee that I did not have since I had sold all the cattle I had previously. Through the transfers, I was able to settle the school arrears I had. I also invested in a business that I am confident that its profit will cater for the school fee for the rest of the three children who are still in school. I am optimistic that in some years to come, the cows I bought will reproduce and I will be owning several as did before."