"The biggest difference is that through the transfer I acquired the livestock, the cows and the goats for which previously I had none. I am happy that I have some assets to keep in my household as security for the future."

"The biggest difference in my life is moving from being employed to having my own business. I was working for someone as a milk distributor to retail shops but I started my own distribution business when I got the payments. This business has employed me and I look forward to a time when I will have expanded it and employ people to work for me too."

"I expect my life to change in the next six months in that, I will have built a kitchen hence will not be cooking outside which is normally uncomfortable especially when it rains where I normally have to incur an extra budget of buying charcoal. I will also have built an animal shed for my goats."

"I spent my recent transfer on first, paying my college fees. I recently enrolled for a course to be trained in fashion designing. In connection to this, I used a part of the transfer on buying personal effects at about KES 5000. Secondly, I used the money I received on paying school fees for my sister who is also in school. The KES 3000 that I paid for her completed the required payment to keep her in school the entire term. Finally, I used another KES 2000 on shopping foodstuffs for the household. I bough maize flour, wheat flour, rice sugar, cooking fat and soap. These items will last me for some time and allow me to concentrate my efforts on the training instead of looking for jobs to cater for these needs."

"I expect my life to change in the next six months in that I will be paying school fees for my children on time and with ease. I will also have had a new house for my children."

"I will have been leaving in a new house. we leave in the old house that my family moved from. It is derelict. It is also small and sharing it with my young brothers who are still in school is not enjoyable. In the next six months, I will be in my own house that will be bigger and nicer. I will also be making money from tea seedlings that I have in a tea nursery."

"The moment I received the money, I felt too good. This is because I knew this money was going to relieve me from the burden of poverty."

"My life is different is that, my capital has increased and now my children are not chased away from school because I can now provide scholastic materials and other basic needs."

"I will be having a piece of land. It is my desire to buy some small piece of land on which I will build rental houses in the future. I will sell my heads of cattle and buy land. This is possible because of the money I receive monthly and has been investing in farming. When I succeed, I will be a landowner of a parcel that can be developed into a rental property and be financially stable the rest of my life."

"I expect to be owning a dairy cow fro the savings I am making. I will be getting milk that will be a good source of income when I sell the product. I will be free to work more as food will then be available."