"Receiving this money means that I will be able to buy land. Iam currently depending on hired land for crop farming and is not costs effective since what I realise from it at the end of the planting season does not sustain the family needs. There is hunger due food shortage and this affects the household member's health. Once land owned I will be planting crops to increase on production for both consumption and sales. This will improve on my household standards of living."

"It's now 3 years into marriage and settling has been a big challenge.I would wish to buy a cow and build a bigger house.I aim at buying a cow worth Ksh 25,000(250 USD).This will help me reduce expenses in that I will no longer have to buy milk.In addition to that I will get extra milk for sale which will serve as a source of income for me.This will go a long way in helping me settle properly.On expanding my house,I have a plan of building a kitchen.This will cost me around Ksh 15,000(150 USD).I will also buy household items and food for my young family. "

"Imagine assuming the role of providing all the basic needs for the family of 6 when the job is charcoal burning! It is a very horrible task to me but since I have no option I am forced to bear the burden. My efforts to keep my children schooling resulted in negative health effects to me since I was diagnosed with tuberculosis something that forced my son who was in form 2 to drop out. After medication, I regained my energy and I convinced myself that I can as well continue with my charcoal job in order to send my son back to school. Currently, I am always feeling weak with worries that I may be diagnosed with tuberculosis again due to the hard tasks I usually do."

"Receiving this money means I can buy household items such as a mattress, bedsheets, utensils and also buy oxen. I currently don't have good beddings and oxen to plough my land."

"Two of my children will be in secondary schools obtaining their desired education. Due to this, I believe that I will have paid most of their school fees in the next six months. This will always make me happy because they will continue with their studies without being interrupted. I want to make sure that I will have saved enough money through continuous contributions to my merry go round group by then."

"The biggest hardship I have faced is securing employment.After High school,I enrolled for a driving course with the expectation that once I complete I will get a job which will enable me be independent.Since completion,I have been applying for jobs in vain and have even tried out the armed forces recruitment which I have failed to secure every year.The biggest challenge here is that now my family has to depend on our parents for some basics like milk for our young son because I have not been able to buy a cow.It is quite demeaning for a man of my age to depend on my parents and I have always wished that one day I will be in a position to support them on my own."

"The biggest hardship faced currently is feeding since I don't have enough cultivation land for food grops.Whenever the little grown is consumed, it's a budern on my head to find food for the children. "

"I expect to have completed building my house in the next six months. Farming will still be my main important activity as I expect to have harvested the current crop and established more. I intend to expand the farming size and gain more in the next months. most importantly, I want to make it sustainable. I will be using the income from these projects to cater for our family needs."

"I expect my life to have changed in the next six months because I will be using the transfers to run a grocery business. I also hope to have bought some chickens that may be another source of income through egg production. The income I will be getting from grocery business and poultry keeping will sustain us. I also know my son will be going on well with his education because I will be paying school fees on time using my transfers stating form January 2020. I expect to be successful in these many ways in the coming six months."

"I plan to buy livestock with this money when I recieve it. My bride price hasn't been fully paid so this could enable my spouse to complete it and also get the oxen for ploughing my farm land."