"I received a message notification on my phone early that morning. When I read its contents, I realized that I had finally received my first transfer. I was so excited and grateful for the financial support since it marked the beginning of my journey towards reaching my goals."

"The biggest difference in my daily life is that I cleared the fee arrears of KES 40000 for my children and they are now comfortably in school and college. They are no longer sent home to collect school fees as usual. I depend on the casual jobs in the village to earn an income, paying school fees on time was a big challenge for me. My children could stay at home for a longer period of time and this was affecting their performance. I'm so happy now because I have peace of mind and I have devoted much of my time on my daily activities to generate some income to pay next term school fee."

"After building a new kitchen using the first transfer, I had to renovate the main house. I fixed my door and the wall and bought new chairs for use. Previously I had one small chair which was quite small and whenever I had visitors, I was forced to borrow some chairs from my neighbors. The biggest difference, therefore, is the fact that my house looks neat and I can welcome visitors comfortably without necessarily having to borrow chairs around. I am glad we live a more comfortable life now compared to before, more so that in a few weeks, my son would have his own room ready. I am also glad that my daughter won't be sent home for school fees giving her ample time to study. This, as a parent, gives me joy."

"Since my husband engaged in the livestock business, he has been able to have a reliable source of income. This has brought happiness in our family as we no longer lack basic items which we couldn't afford to buy before."

"Considering the great things which I have initiated in our household, we can now testify as a family that there has been a lot of difference. The biggest of them all in my daily life is the presence of a heifer which we are now rearing as we expect it to calf down in the next few months. This to us means that we will no longer be buying milk as we used to do but instead we might be lucky to sell some after getting enough for our domestic use."

"The biggest difference in my daily life is our ability to completely settle the debts I have been having after obtaining a chaff cutter on a loan. At the moment I have cleared the payment and feeling good that I am using a fully paid-for asset."

"In the next six months, I know my business will have started. Currently, I have not decided on the kind of business I want to do because I am still surveying in my area to get a good idea of good business in my area. When I will have the money, I will have made up my mind on the kind of business I want to do. I am glad, receiving these transfers have transformed my life fully."

"In the next six months, I plan to start a small grocery business which will boost my income. The kind of casual work I have been relying on is only seasonal yet the needs of the family are always permanent. This is why I have chosen to look for a permanent source of income which will sustain our needs without much straining and borrowing. I will save part of my transfers in our table banking group and when the time comes, I will even take a small loan in the business just to boost the money to have the right capital I need."

"My life will be different in the next six months in that I will have started a business. I have depended on a small income from casual work and farming for long. It is time I get a chance and work smart to earn a good income to help me meet my family needs. I could not do this in the past because I was focussed on ensuring my children are in school studying. Now that I am handling the fees arrears situation, I want to start a business which will sustain our needs from the profits. I know when the business picks, I will get a good income and will always use part of the profits to boost the business by adding more stock so that I can earn a good income to help me meet my needs and that of the family without straining."

"In the next six months, I know I will have built a better and bigger house than the one I have now. The current one is grass thatched house and cannot accommodate my family well. I would want to have an iron-roofed house just kike my neighbours in the village. I am tired of having to look for grass every three months to repair the roof of my house. I would want to handle the issue once and for all. Since I will be getting my transfers on a monthly basis, I know I will achieve this goal because I had started saving for the house four months ago."