"I spent most of the third transfer to buy furniture since l did not have enough furniture and yet l have a big family. I also spent the transfer to pay hospital bill for my mother who have been sick and l could not manage to take her to the hospital. The remaining balance l spent to buy clothes for my children and food."

"I spent most of my last transfer to build a kitchen for my children to have a place where they can spent their night and l also to have place where l can cook, since l was cooking outside under the tree where l was being rained on."

"I spent most of the last transfer to buy two donkeys as my source of income since l am using them to supply water in the village to get my income. The remaining balance l spent to pay school fee for my son."

"In the next six months expect to have good health consistently having acquired medical cover. Secondly I see myself having better life in terms of having food security from the farm harvest. This will be achievable after expanding my farm activities."

"The moment i recieved my money, i felt very happy because we didn't believe money would actually been sent so soon."

"The achivement I am proudest of was the sole proprietorship of a hotel business in Nairobi 3 years ago which made me very independent. Back then, I could meet my family's basic needs without necessarily relying on my husband."

"The biggest hardship I have faced is losing my mother who passed on last year. Having been raised by single parent, my mother had been my pillar and her absence has greatly affected me emotionally."

"The achievement I am proudest of was joining a merry-go-round 2 years ago. Through the group savings, I was able to purchase most of my assets such as furniture, clothes, kitchen ware and met most of my family needs without over-relying on my husband. "

"The biggest hardship I have faced is paying my four children's (two in college and two in secondary school) school fees due to having an unreliable source of income."

"The achievement I am proudest of was harvesting four bags of sorghum and two bags of maize 2 years ago from my farm. Through this, my family had enough food for a long period of time."