"My life is currently different than it was previously. I am happy because I can even get a loan with assurance that I will pay it without fail. The transfers have given me the freedom and assurance to repay should I need a loan."

"I expect in the next six months I would be using motorcycle for transport as at now I walk for long distance on foot. This takes much time and believe with the tomatoes I planted with GD money will help me get a good harvest and in return a good profit to meet my daily expenses."

"I expect to be owning a flock of sheep that which when i sell will help me buy household stuff and help lead a more comfortable life."

"I have increased work to do.I have started participating in a table banking group to save .i now have savings"

"I spent my third transfer on Secondary school fee for my child for 38,000 KES since this was an urgent need, to help him get quality education. I also bought a bed and mattress to enable me sleep in a decent place."

"I would like to set up a poultry project.They are the cheapest source of income and require little capital to start with. Chicken also multiply faster. I will save the proceeds from this project in the long run in order to buy a cow."

"My life has currently changed, am now very comfortable and happy at my house.I have restored my friends again since I shunned away from them due to extreme poverty and some didn't want to associate with me since I borrowed a lot but now am satisfied because I combine what I earn from casual jobs and with GD transfers and everything needs is well covered."

"My life is different since I do not need to overwork in order to get enough money to gather for my needs like paying for merry go round group."

"I did not have chicken but, thanks to the transfer I own some right now. Once they multiply I will sell the eggs to earn an income which will help me in meeting household needs. I used to depend only on availability of casual farm work to provide for my family."

"My new goal at the moment is to build a bigger house for my family since the one I have now is small and children have to sleep in the kitchen which is also small in size."