"Receiving this transfer will mean, I will invest it in commercial agriculture."

"Receiving this money means that I will be able to build another house. I share asingle room with the family members and visitors some times when they come. The room is so much congested and inconveniencing since it's small. I will build one for my self and spouse , the children with visitors shall be using the other. There will be no more inconveniences and congestion."

"Receiving this money will mean that I can renovate and expand the house I live in."

"If I could not have received the money I could not have managed to buy dairy cow and I am very sure I could still be spending money to buy milk from my neighbors. "

"I would not have managed to built a kitchen and I would still be cooking out side under how I used before. I could also be sitting on a very old seat that can fall me down or even my visitors."

"Whereas my husband owns and operates a hardware store, I also run a shopkeeping business. But I wish i would say that we are proud business people. Paying school fees for our four children demands so much resources this destabilizing our businesses. Our first born is in college, second and third in secondary school and last born joining high school come January next year. There are so much money required for their education than our businesses can churn out. It is hard to make savings when the profits we make all go to school fees."

"The biggest hardship i have faced in life is unreliable source of income. I work as a mechanic, a job that is never predictable due to the remoteness of this place. Paying school fees for my three children one in college, another one in secondary school and one in primary school has been a struggle to me now that i am the breadwinner of my family. "

"Being a widow and the only breadwinner for my family of 3, I have been always relying on my small business of selling sliver cyprinid (omena) around the village that earns me $1 per day which is not enough to sustain us. My desire has been to have an alternative means to uphold my family but this has never materialized. I have wished to start rearing goats as they are cheap to raise and they can reproduce at a higher rate, unlike cows. Receiving this money means fulfilling my dream since I plan to use my first transfer to purchase 6 goats at Ksh.3500 each. This will serve as my longterm investment, something that will change my life for the better."

"With the tough economic times,life has been a real struggle.My husband works with the Ministry of Agriculture but is a drunkard.This stresses me a lot because at times he spends a lot on alcohol leaving us with little to depend on.I feel the weight here at home because I am forced to work extra hard as a farmer in order to supplement what he provides for us.My joy is seeing him a more responsible family man.This will give me peace of mind and will automatically translate to a more stable family."

"Receiving this money will enable me to greatly improve on my finances. For the past 1year, I have been working as a cook in a mini hotel in Bamba center. My pay per day is ksh.150 yet I am engaged from 6:00am to 7:00pm.I hardly get any time to tend to any other business and this has greatly stagnated my progress since I hardly engage in any other income generating activity. I have always wished to break free from this cycle of poverty but it has proven futile due to lack of finances. Now that I will be receiving this money, I plan to empower myself financially by investing ksh.25,000 in starting a vegetables and fried fish business in Bamba. I will also purchase 2 oxens and an ox plough which goes for roughlyksh.40,000 to help me in improving my farming."