"I expect to have put up my home and build a decent iron roofed house. I feel good having my own hope because it is great progress and it gives someone a lot of confidence when interacting with other people in the village."

"I have a plan for opening another barber shop because I have more customer. I know it will do well hence increase in my daily income. The daily sales I receive from it will enable me to buy more goat for rearing. I will be in a position to achieve my dream of buying a dairy cow once I have enough number of goats to sell and buy my dream dairy cow."

"I have been living in Nairobi since I was born, but my mother permanently relocated back to our native home a few months back. Now that she is back at home, I want to build a house of my own there so that whenever I visit her, I will have somewhere to sleep and privacy. I have plans of saving some of these transfers so that I can be able to buy the required materials to build the house before this project ends."

"Being a student, it has really been hard for me to concentrate on other investments at home. Now that I am in the fourth form of my studies which is the final year in secondary school, I expect to increase my concentration of farm production and hopefully, I would be harvesting my first produce soon after. A venture in agriculture is very productive though it is tedious for my case, I will be operating on a small scale which does not require a lot of labor."

"I expect my life to change in the next six months because I will have fenced my home. This will solve many issues that we are currently facing. I will finally be at peace with my neighbors and the peaceful coexistence means will be able to grow and develop each other in a different way. I also believe that my harvest will increase because they will not have been interfered with by the cattle from the neighborhood."

"My job is contractual and there are some instances that I spend almost three months without any income. I have always wanted to have an alternative plan that can supplement my income. This has triggered my desire to own Galla goats which are very productive and are a good source of income. I will therefore purchase them with this transfer and this will see my financial status rising to a better position. I will also fix permanent windows to my house and replace the cardboard which is not safe because of strong winds. "

"The death of my husband came as a big blow to my family. Raising six children singlehandedly has never been easy because I do not have a stable job. To sustain them, I burn charcoal which earns me a maximum of 700 shillings a month. This saw five of them missing education and only one managed to complete secondary school."

"I expect to have a long term goal of expanding my business so that I can generate more profits each and every week. Right now the business is so small and it has not yet picked quite well because I am still new in it, though I am sure that I will be able to make improvements and adjustments as time goes by especially with help and support from my mother. God willing I will venture into the business of selling fish which I think is such a lucrative business and can generate a lot of money."

"Currently, I'm employed but the income I earn from it isn't enough to meet my needs and at the same time, whatever I earn from that place doesn't match the time consumed the current employer consumes. I, therefore need to start up a business so that I quit the current job. In order to achieve this, I have been saving part of the transfers including the recent transfer so that I can use it in the future to start up a cereal business. In addition to that, I owed a friend some money so I used part of the recent to pay for the loan and bought food with a portion of the money."

"I expect my life to have changed in the six months because I will have started a shop business. I will be dealing in second-hand clothes. From this business, I will be making money and my heifer will be mature and producing milk. I expect to have increased my milk production and egg production."