"I spent on paying school fees for my children in secondary school and the remaining on boosting my small retail business of selling foodstuffs."

"I spent my third transfer on sofa sets for 20,000 KES as we did not have any proper seats at all and needed something decent for our house.I then bought a heifer for 15,000 KES and 3 goats for 13,000 KES an investment for a rainy day."

"I spent my third transfer on purchase of house construction materials, we are soon putting up a house."

"The difference in my daily life is that I could have never owned a fishing net neither could I have ever owned any fishing light attractor in my entire life."

"I spent my third transfer on building a three room semi-permanent house as it was such a dire need in my life in that my previous house got burnt and my husband could not build for me due to the burden of polygamy . I took refuge in my co-wife's house, which was difficult, until GD came to my rescue.Thank you very much."

"I have a son who is in his last year of secondary school,so I cleared his school fees arrears. The remaining I spent on boosting my fish mongering business that is now doing so well."

"I have been making mats to enable me meet my family needs and I had to meet and pass the risks involved, more so when getting into the water to cut the reeds which has not been so easy specifically when the levels are so high and you to stand the risk of drowning. So, when I received my second transfer, I made a fishing boat. The remaining amount I added to my third transfer and bought an engine for driving the boat. I now have my own boat and no longer have to get into the water which was life threatening. I make daily profits."

"I want to start a retail shop business, so I put up a small structure for the same using part of my third transfer. I also spent some money to boost my fish mongering business that is now doing so well and have since grown."

"I spent my third transfer on purchasing a water pump given that we are farmers and every time we needed to irrigate our tomato farm, we had to borrow the water pump which, if we do not find, I carry the water on my head which was tiring and time-consuming. Our farm did so well and the profits enabled us build a three roomed, spacious house and move out from the squeezed two house we owned before."

"I spent my third transfer on cementing our house that needed to be upgraded to save me from labouring by frequent wall repair which is what happens with mud houses.I then bought seats and a table for 14,000 KES, and spent the balance on a mattress and 3 goats."