"I spent my third transfer for Secondary school fee for our nephew for 21,000 KES as he is very extremely poor and kept on being sent away from the classroom and my husband and I decided to support. I also bought a heifer as an investment, our strategy being that by the time the heifer calves 4 times we can sell the stock and build a house using the proceeds."

"My life is currently from how it would have been if I never received the transfer in that, I get more profits from the revived business which I use in my daily needs."

"I expect my life to change in the next six months for better because I plan to buy a sheep and start a chicken rearing project which are sources of income for me and my family. Through these transfers I will also ensure that my family has adequate food supply."

"I spent my third transfer on buying a heifer to provide our milk for improved nutrition in the future. I spent the balance on plastering our house since the soil texture in this place is bad and walls easily crack, and I figured out it is cheaper to apply plaster for durability.."

"I expect my life to change for better in the next six months because there is increased happiness. I am planning to buy fertilizer using the next transfer in order to plant beans which is a three months crop.This will act as a source of income and will boost my other projects like the chicken rearing."

"I see a great change in my living standard since I have a plan to change my mad-walled house to a better one. At the end of six months God's willing I would have started a zero grazing system of farming."

"The biggest hardship I have faced in my life was when I was very sick and couldn't afford to get proper medical care. Being the sole bread winner to my family, life became so difficult."

"In the next six months, I expect that I will own a good number of poultry. And then later sell them and buy goats. I am sure that I will stop doing casual work as I concentrate on my activities that will also earn me some income to keep my family. I will be able to keep my children in school as well."

"I want to build a new house for my family.This will give me some peace of mind and comfort that i am able to look after my family and provide fully for them."

"I spent my third transfer on pay school fees for my son who is in high school and also enrolled my grandchild in high school .I also bought five goats and a solar lamp as well."