"Receiving this money means, I can buy land for agriculture. This will boost my crop production."

"Receiving this money means I will be able to build an iron roofed house that my grand children can sleep in. I share a house with them but this is very inconviniencing the fact that the house is small and some times being someone of age, there are things I want to do my way but I can not do them because of their presence."

"Received this money means I will be able to build an iron roofed house. Maintaining a grass thatched house is such a hard thing to do these days because grass is scarce. Currently, I have to walk very long distances in search of grass because I have no option. I believe this will end when I build an iron roofed house. "

"Receiving this money means I will be able to build an iron roofed house so that I can rest from the budden of changing grass over and again. I am now weak because of old age and I really do not have energy to walk long distances in search of grass."

"I expect my life to change in the next six months in that I will be economical stable. I believe after establishing my motorbike business, I will be in a position to provide for my family the basic needs with a lot of ease. Having an additional income is better, I have a lot of confidence that my plans are going to work, in future paying school fees won't be a big problem anymore as it has been before."

"Receiving this money means paying off a debt I incurred during the time of marrying my wife. I borrowed three cows that need to be paid. In our tradition, a man is expected to pay bride price to the girl's family as an appreciation for proper up bringing of the child. In case of any balance, I will start up a small business that will be south of income to the household for paying school fees, feeding, paying medical bills, to mention. This will improve on my household's social status and my self esteem."

"The biggest hardship I face is lack of enough money for maitianing my family members. I can not even afford changing diet easily for my household members hence they are becoming malnurious."

"I got an opportunity to take a course in catering 2014 through sponsorship, but I was unfortunately not able to complete the course or acquire my certificate because my sponsors did not complete paying for the fees. Having no other way and no source of income, I turned to crime where I would mug people for quick money. When I started receiving these transfers, I decided to put into practice the little knowledge on food preparation I had acquired during the six months I was in college. I started a business making doughnuts and later got an opportunity to supply food to employees of a company within the town. The biggest difference in my life is the fact that I am now out of crime and makes clean money through a business that I got to build through the transfers"

"The biggest difference in my daily life is that I have been able to improve my house from mud floor to tiles. I never thought I could fulfill this wish anytime soon. I now live comfortably in my house and no longer having a hard time with my allergic reactions to dust as I had experienced before. Nevertheless, we also have plenty of food in our stores that will keep us full for the next couple of months."

"In order to grow my business, I try to invest part of my transfers whenever I received them in my clothes business by adding more stock, so this month, I added more stock worth KES2000 of the money that I received. I spent some on foodstuff and other household requirements then saved the rest in my M-pesa account for any financial emergencies that may arise within the month."