"I spent KES 30000 of my first transfer on buying a pair of oxen. This pair will help me in doing my farming timely for a better harvest. I used to cultivate a small piece of land but now with this pair of oxen, I am assured of utilising my whole acreage. I spent the remaining amount on building a house for my children. They are out of age and did not have there own house. The current house was not spacious enough to accommodate them. I thus bought enough building materials such as iron sheets, nails and poles to build the house."

"I rely on subsistence family for a living, the income which I get per month is 20 dollars which is not enough to sustain our needs like food as well as improving my livestock rearing. Failure to actualize my desire of improving my livestock rearing job due to the financial challenges has been my biggest hardship."

"I mostly rely on charcoal vending and farming which is largely affected by rainfall for a living. Sometimes when there is no rain I get low yields and the income I get per month in charcoal vending is 4,000 Kenya shillings which is not enough to sustain our needs. This has hindered me on expanding my house thus my biggest hardship I have ever faced in my life is lack of enough resources to meet my family needs."

"I majorly depend on a small shop for a living. The income I get every month is 8,000 Kenya shillings which is not enough to cater for my family's needs as well as expanding the shop. Lack of enough capital is therefore the biggest hardship in my life."

"I received the transfers at around six in the morning and was overwhelmed with joy for the better part of the day till now. This is because I had never received such an amount before and was restless till the money was put in my hands by my helper who's also my son. Immediately the money was withdrawn I started purchasing Iron roofing sheets for my house which now in it's completion mode."

"The biggest difference in my daily life is addition of my stock to my shop business which would have never been possible before. My children are now well clothed and I am happy because I have adequate food and capital for my business."

"I spent part of my first transfer on buying livestock such as a dairy cow and an ox. This is what I have been longing to own for years but I could not afford it because of the poverty life that had stricken my household. I am positive that through them, I will achieve a lot. Also with the remaining amount of money, I bought enough foodstuffs such as maize floor, for my family that would take us to the harvesting season and some other items that I was lacking."

"I will buy mattress, food and iron sheets"

"It means I have to complete the construction of our house, we started building the house in 2016 with the small capital we had but it was no enough. Because of other responsibilities that needed to be priority we stopped thue we have moved into the incomplete home."

"I bought a small piece of land and built a small house away from where I used to live since our inherited land was too small."