"My life is currently different from how it was four months ago. Initially, I used to depend on casual jobs. I normally depend on plucking tea at my neighbor's farm. I used to earn very little which could not cater for most of our needs. Currently, we have hopes that will be able able to save some money in our Sacco which will enable us to goal and realize our family goals."

"The moment I received the transfer, I was overwhelmed by joy because I had got the financial support that would help me get land for farming."

"I am looking forward to growing old gracefully and assembling materials that will help be build a better and more spacious house. This is a long term goal that will accomplished at God's best timing. Currently I am seeing my family enjoying the moment."

"My days after have improved in that , they are full of joy because I made a deposit on my acre of land and acquired household items. In the past, I had to do donkey work in other people's farm land in order to raise money for renting land for agriculture."

"I expect to have a difference in my life especially after roofing my house since I have already bought roofing materials with this transfer. If I had not received this money, It would take a longer time for me to complete this house. I depended on agricultural seasonal harvest which was giving me little income hence building the house at a slow pace."

"The moment I received the transfer, I became very excited and I ululated. I woke my husband up to show him the mobile money message. This money came at the right time when I needed to complete payment of school fees."

"My daily life has changed for the better in that, I have been in position to plaster and build a veranda for my house which has made me very happy. In addition, I have bought bricks that I'm to use for building a rental house soon. Prior to receiving this transfer, I slept in a dusty house and I didn't have hope of plastering it because I had no money to buy materials and pay labour."

"The biggest difference in my daily life is that now I own bulls. They will help me cultivate my farm easily. I can also use them to earn extra cash by ploughing other people farms too. Initially, I could do the ploughing by my self which was very hectic and tiresome. I am glad that now I will not have to strain my self anymore."

"The biggest difference in my daily life is knowing that my children are in school and having my oxen at hand. This has given me a daily feeling of happiness."

"The biggest difference in my daily life is having my personal business that generates a daily income. This daily income helps me to handle my day to day expenses as compared to before where I really had a business idea but had no money to implement it."