"My husband's job does not earn him enough yet he is the sole provider in our family. His income is inconsistent and he can spend a whole week without earning. This is the major reason why I had to drop out of my course. Besides, he cannot save anything since we live from hand to mouth. This makes me a worried person because I do not know what the future holds for my family. All this is not limited to the fact that he cannot meet our needs fully, making financial instability our biggest hardship."

"I felt very excited when I received the transfer because It was going to solve some of problems in my home like school fees and food shortage."

"My life has changed because I can earn a profit of Five thousand shillings in a good day. This has enabled me to meet my needs like food and other requirements as opposed to when I could not afford to get what I lacked. In addition, I also acquired Livestock which I intend to pay as bride price for my future wife. Previously, I never thought of marrying because I had nothing to offer."

"I felt happiness in my heart when I received the transfer and I gave the glory back to God. I did not want to show off because there were people within my village who did not receive so they would be jealous."

"I felt very happy when I received the money because it came in a big way and was going to help me handle household challenges that were stressing me."

"In the next six months, I would have harvested and sold the cabbages. The approximate income I expect to get from this investment is about KES 30000. I plan to spend part of this money to buy a cow and the remaining portion to start a family. I intend to get married soon and I look forward to this harvest so that I would have enough money to sustain us for a few months as I look for other means of generating income."

"In the past four months, I have been able to carry out my farming activities without straining. Initially, I entirely depend on casual jobs which were unreliable in most cases. These jobs used to consume most of my time hence making my farming more difficult. Now I am able to carry out farm practices on time hence getting high yields."

"I have several goals that I would like to achieve. One of them is to see my children finish high school. I also want to renovate my dilapidated house. I have a small house back at home that needs to be repaired and expanded. My children are growing older and we would all want to have our separate rooms. I know with these transfers, I will be able to achieve all these goals."

"Recieving this money means I can buy a cow and use theother portion for cultivating crops. I have been selling part of my food crops in order to raise money for planting more crops."

"The biggest hardship I have faced is limited land for agriculture. I cultivate on one acre of land each season because it's the only one we own. This subsequently leads to little harvest hence food shortage."