"I expect in the next six months to have saved money and buy building materials which I will use in the construction of my homestead. At the moment I am staying at my parent's homestead and as the saying says it comes a time when a man shall move out and start his own home. I feel the time has come to be independent and my motivation comes from the transfers I get."

"I expect in the next six months to have improved my house. I will manage this by using the income from the small business trading in livestock and that of the farm produce."

"I expect in the next six months that have completed building my kiosk. I will facilitate all this using the transfers and the savings from the table banking."

"In the next six months I want to be able to pay school fees and be able to continue with my studies uninterrupted."

"In the next six months I will have more income, more investments, ability to meet most of my family's needs and living standards and social life."

"In the next six months, I expect to have a fully operational kiosk that is up and running. Through this, we will be able to get enough money to pay school fees for my grand children and meet other family expenses."

"The biggest hardship that I am faced with is inadequacy of land for cultivation. "

"The biggest difference in my daily life is that I now have an Mpesa business that I am currently purchasing with the transfers. This business is also less stressful as compared to the previous businesses I have been involved with, like frying and selling french fries."

"When I received my money, I felt so happy that I God had answered my prayer and provided me with money that was going to solve most of my financial needs like my children's fees, and buying building material as I had earlier on planned."

"In the next six months, I expect to begin saving and wisely investing my transfers on business that requires less capital within the college. This will make me an independent person thus I shall no longer rely on my parents any form of support but instead support them in paying school fees for my siblings. I will, therefore, not be of a burden to them."