"It was around 9 AM when I had gone to my usual workplace when I heard a message notification. I was a bit curious and without wasting time, I decided to check its content. When I realized that my transfer had been sent, I was happy and changed my plans and even went back home. The message really made my day."

"I was at the farm planting some maiz then I heard the phone vibrating. I was so nervous and decided to check the content of the new message that I had just decided. I felt very happy after realizing it was an Mpesa message. I immediately started planning on how to use the money to avoid wasting a cent. It is one of the best days of my life that I will always live to remember."

"The biggest difference in my daily life that I now have goats in my compound. This had always been my dream to own them for quite some time but I could not afford them becasue they were a bit expensive. I settled in buying them becaus enough of them I am assured of achieving a lot. Also, goats reproduce twice a year and the offsprings mature very fast as compared to other domestic animals. Also, their food is readily available and there is minimal supervision, therefore, I will no longer strain in taking care of them. My plan is when they mature, I will be selling the matured iffsings and save for my children's school fees. Also, I will exchange some of the goats since they multiply for a pair of oxen which will also be a help to me in my agricultural activities. Therefore I believe the future will be bright through the goats."

"I spent part of my buying poles, iron sheets, timber, nails, and thread. This was fr the construction of a new house for my son since he has been seeking shelter from his friends for all those years considering mine was small. In addition to that, I bought several gaits that will be living assets to depend on in case of any financial stud. I the paid school fee for my son who is in his final year. Also, I bought enough foodstuff for my family."

"I spent part of my first transfer in buying a dairy cow at KES 15500. For all those years I have been admiring those of my neighbors and hoping someday I will own them. Also, I bought some building poles, iron sheets, nails and timber, and threads. This was for the construction of a new house becasue the previous one that I was sheltering in, was in a bad state. Also, I am using it in buying enough foodstuff fr=or my family and some other household items."

"The biggest difference in my daily life is that I now have two dairy cows in my homestead. Dairy cows normally have numerous benefits and I am optimistic I will achieve most of my goals through them. First, the plenty liters of milk will purely for the business and since there is a high demand for milk in my region, I am certain I will get good returns. Also for the remaining liters, they will be for my family's consumption which will be a surplus to their daily meals making them healthier. In addition to that, I will also be getting manure from the cows which I will apply to my farm and provide essential nutrients to my crops. Therefore I will be saving the money that I have been using to buy fertilizer. It was for my own money, it has taken years for me to accomplish all these."

"The biggest difference in my daily life that I will always mention is the fact that I have livestock in my homestead. Livestock keeping is an investment that my community values the most and it was so unfortunate I couldn't afford to own them because they were very expensive. At least I can rely on them in case of any crisis unlike before. In the few months to come, I will be getting milk for my children and me and also sell the remaining few liters. This will now be my main source of income. With the few goats that I bought, I will start a business of selling the offspring at the local markets and this will be an additional income. In regards to that, I will be able to cater to my family basic needs without much struggle like before."

"The biggest hardship I face is not having enough money to start a business which can help me make more money to take care of my family."

"Receiving the first transfer came with great joy which not only saw me happier than ever but also gave me a sense of gratefulness. Such a favor has never fallen on me before and it became clear that it was also the first time for every other family member. It dawned on me that the awaited chance to make changes in our household was finally with us."

"After receiving the first transfer, the biggest difference in my daily life is the complete construction or storage facility - a granary with a large storage capacity. This is a dream come true after a long time of planning to construct one even when I had nothing. I was lucky enough to get strong construction materials to erect as pillars making the structure stronger and assuring us of its durability. I am still grateful and hopeful that the second transfer will still push us past the next milestone."