"I spent my third transfer to buy a cupboard worth 10000 KES because I did not have a safe decent storage for my utensils. I also paid school fees for my child who is in secondary school because I had school fees arrears."

"The third transfer I spent on house construction. My husband bought building materials and now we live in a more spacious house."

"My new goal is to invest in agribusiness ,especially tomatoes and onions."

"I have a goal of expanding my business because this will help me not strain a lot because i will have enough money."

"I know I will finally have my kitchen now that I have iron sheets and timber and my dressing has changed a great deal."

"I spent the transfer I received to buy building materials(cement and sand) for plastering my incomplete house,bought seats,food for family consumption and the rest I bought clothes for my children."

"Three years ago, I got infected with Tuberculosis and I was under treatment for around six months. During this time, I was selfless and couldn't carry my daily chores thereby relying on others for help. The side-effects for medication of TB was so severe that I was in pain all the time. For me this is the biggest hardship I have ever experienced. "

"I am proud I have my own home, and I improved my business too hence increase in my daily income which has enabled me support my family and pay fee for my children."

"My biggest hardship is lack of money to invest in agriculture. I lack money to buy agricultural inputs like seeds, oxen and ox plough."

"My biggest hardship is lack of money to construct an iron roofed house."