"Being a farmer who solely relies on farming to provide basic needs for my family, my biggest worry is that my children will not pursue their education in college because my finances have been dwindling as a result of crop failure for the past 7 years. "

"The land that we are occupying right now was sold to cater for the school fees of my brothers in law and as a result, we are living here temporarily. Now receiving this transfer means that I will be able to purchase a piece of land somewhere else for my family to settle in."

"In the next six months, I expect less financial burden, this is the reason why I have invested in cattle rearing and also farming to ensure I have enough money for my family. I also want to take my children to good schools where they can get the best education."

"My first priority upon receiving this money is to demolish the house i currently live in (made of mud) and build a new one made of timber, now that maintaining this house has become hard since i always have to travel long distance in search of mud to smear the house. This will cost me a total of $400. I then will use $100 to buy barbed wire for fencing and sub dividing my land into paddocks for easy grazing of my livestock. I will use the remaining part of my transfet to pay school fees for my daughter in secondary school"

"Low land productivity as a result of unpredictable rainfall patterns has been the biggest harship we face in my family, which has resulted to buying food stuffs that we could have been harvesting in our farms. We have tried investing in keeping dairy cattle for milk production but what dissapoints us in this investment is the low return since we sell milk at a low price ie ksh 27 per litre."

"Lack of a reliable source of income has been the biggest hardship in life. At the moment, we struggle a lot to meet the basic needs like food, clothing, shelter, and education for the family. The only readily available source of income for everyone here is charcoal burning, and since almost everyone depends on, it is a big hustle to gain meaningfully from it. The thought of receiving transfers is the only hope we have at the moment. At least such huge money will give us a choice to better our lives in our own different ways."

"My dream has always been to own a piece of land.I will therefore buy 0.2 acres of land when I receive this money.I currently live in my parents land.For the sake of my children in the future,I need my own piece.The land will also help me practise livestock farming since I will be having my own space.This will greatly boost my income.The piece of land will cost me around Ksh 80,000(800 USD).I will also use Ksh 5,000(50 USD) to boost my egg business.I collect eggs around the village and add to what I get from my poultry then sell to a dealer who comes to collect from my house every Monday.I sell 3 trays every Monday.Given that the demand is high,I want to increase that to 7 trays."

"A bright future for my children through education has been my greatest desire in my life. This is because I believe through education, they can get better jobs and help me when I get aged. As of now, I have struggled a lot to make sure they are in school but many times, they are sent home due to lack of school fees. Receiving this money means enabling me to clear fee arrears and that of the proceeding term come in January 2020. Therefore, I plan to spend utmost $400 on fees and this will mean settling them in school, something that will bring maximum concentration to them. On the other hand, I intend to use $120 on purchasing a sewing machine for my daughter in order to do her dress making work. The remaining amount will help me to buy an oxen to upscale my farming and this will result to more harvests."

"Charcoal burning is what I have known as the only source of income for the family of 5. Despite this activity being risky and low paying, I purely depend on it since I have no other option. Through the much exploitation I have faced from my potential buyers, I have long wished to have a charcoal selling center at Mombasa, to be operated by my husband but this has not materialized yet due to financial crisis. Receiving this money means realization of my desired dream since my plan is to offer $500 to my husband in order to start the business. I will use $100 of my second transfer to repair my house since as at now, the roofing poles were destroyed by termites and it can easily be blown by wind. $300 of the disbursement will help me to buy an oxen to aid in upscaling my farming and the remaining amount will support me in other basic needs like beddings and school fees."

"Lack of a reliable source of income for my family has been the biggest hardship in my life. This is because I am a housewife and I majorly depend on my husband who is doing charcoal business at Mombasa, a job which is risky and low paying. As of today, his earnings from this job has never been consistent due to the rainy challenges that make roads impassable. We recently have skipped meals or if it means taking our dinner, we should seek help from our potential neighbour. This has really robbed our joy as a family, something that makes me feel ashamed."