"We are always grateful for the opportunity given from give directly. We have managed to have the things that we needed."

"When I got the first transfer, I invested all of it in starting a dairy farming project. I was so impressed by its performances in terms of income generation, thus this encouraged me to spend the second one on adding another cow worth KES 30000. I used the remaining amount to clear a debt I had and repairing a motorbike that my husband (a teacher) usually uses as means of transport to his workplace."

"The biggest hardship i have faced is when my mother died and then a few months my husband left me. I felt so lonely"

"The death of my mother last year is the biggest hardship i have faced in my life because it made me fill so lonely and i had no one to share my stories with anymore"

"Ever since I got married, I have always wished that I would buy a cow and improve my farming inputs to boost my farming produce but overwhelming household needs have never given me a chance before. I rely on farming which hardly meets my daily household needs. To me, scarce resources in my family has been the biggest hardship I have faced in my life."

"Lack of enough resources has been my biggest hardship in life. I live a hand-to-mouth life depending on subsistence farming in my family. I was not able to educate my children enough to earn good jobs that we can rely on due to this same problem of scarce resources."

"The biggest hardship i have faced in my life is being unable to provide enough basic needs for me and my family even when its just the two of us but still it is very hard"

"Receiving this money means a better living standard for my family because I planing to invest this transfers in dairy farming. Before, I have been depending on subsistence farming but due to prolonged drought in my area it has not been doing well. God willing if I received this transfers I will purchase a dairy cow at 35,000 shillings. Also I am opting for this because currently we have a ready market since we have a near by milk cooler. This income will help me to raise school fees for my four children and also meet other family basic needs."

"This transfers will enable me pay school fees and rent for my last born son who is joining second year at Tangaza university Nairobi.This is aproximately Sh 30,000 for fees and Sh20,000.Payment for accommodation, food and acquisitions of personal items in Nairobi is quite expensive.I shall also buy a 5000 liter (Sh 20000) water tank for storing water, this will relief my wife from going to fetch water from along distance river."

"There was a time I felt sick so much and sh 20,000 was required for my operation. Finance was a great constraint, we had to fundraise from relatives since my husband had just retired and my kids were still in school.it even reached an extent where my parents requested my husband that I will be taken back to my maternal home for further care."