"I was in my house relaxing when I saw a message notification, in my entire life I have never received such a huge sum of money via mobile money, I was overwhelmed with joy, indeed there are still well-wishers out there who genuinely care for the needy."

"The biggest hardship I have faced in my life is lack of stable source of income. I usually do casual jobs as a source of income where I get around 100 shillings a day or nothing sometimes. This is not enough against my daily expenditure of 300 shillings. This sometimes force me to depends on borrowing or purchase family basic needs on credit."

"Receiving this money means access to higher education for my children. Being a mother of three kids, with no source of income makes it difficult to afford school fees for my children. This money will help me pay for school fees and buy two cows at a cost of Ksh. 30000 as an investment in future so that when they finish basic education, I sell the livestock so that they can go to secondary and higher education institutions."

"Receiving this money means food security for my family. This is because, I have been surviving by looking after livestock for other people inorder to get food for my family.As a herdsman with a family of three,I only earn Ksh. 200 a day which is not enough to cater for my needs.With the support of this money, I will be able to purchase three cows at a cost of fifty thousand shillings.This will help me start a business of selling milk and earn me good money enough to put food on the table. I will also use some of the money to invest in my children education through buying more livestock and sell them during market days."

"Financial instability is my biggest hardship. Being an old woman with no strength to engage in economic activities, makes it difficult to afford food for my family. My husband is mentally challenged and cannot engage in any economic activities."

"Food insecurity is the biggest hardship. I only farm on a less than an acre piece of land. The produce I get is very little to sustain me and my family for a longer period of time."

"Lack of money is the biggest hardship. Over the past few years, I have wished to have my own business but due to unemployment,it has been impossible. I fully depend on my husband to provide for me."

"The biggest hardship is not being able to till the land on my own.I usually pay someone to do the work at ($20). I am a bread winner, without a stable source of income , as I sell milk ($0.15) seasonally, and this is not enough for the family."

"Getting a reliable source of income has been the biggest hardship that I have ever experienced. Currently, I am a motorbike rider operating within the proximity of my sub-county. The motorbike belongs to my brother who charges an average of 3,000 shillings weekly. My average weekly income is 3,500 and this means that I remain with 500 shillings. This amount is hardly enough to sustain my necessities like food and clothing. As a result, I will continue working from hand to mouth until I land a good job."

"I spent part of my first transfer on buying seven goats at a total of KES 16000. These will be the assets that I will rely on for my child's education since she is still young, by the time he will be joining the school, I will have achieved a lot from the goats. I also bought new clothes for my daughter and I since the previous ones were not in good condition. Lastly, with the remaining amount of money, I am planning to start an Mpesa shop in my village since they are very few which assures me that the business will do so well."