"I spent my third transfer on putting up a three room house on my own land and I am very thankful to GD for enabling me do this."

"My life is different than it would have been in that I have been legitimately married according to our Luo customs. In Luo culture one is only recognized married after the dowry is fully paid. I am very glad!"

"I used to stay in a very small squeezed house that could not fit me and my growing family,so when I received my third transfer,I bought building materials that I used to construct a new spacious house. I am glad my family is staying in a big house now."

"I spent my third transfer on buying building that I used to construct a new house as the one I had was almost collapsing. I am glad I do not have to sleep in somebodies house. I also bought some furniture as the ones I had had worn out."

"I have children in secondary and college and I have always been struggling to pay their school fees. When I received my third transfer I felt some relief and paid their school fees. One of sons have since graduated from the University with a degree in applied Biology. I am hoping that I will the remining will also clear school soon. The remaining I spent on buying building materials that I used to construct a house where my girls could sleep from . Previously they used to sleep in a very small house. It was not neat either and started a small scale business of selling household goods that helps me get income to sustain my family."

"I spent my third transfer on building a 3 room house for 25,000 KES since our previous house was grass thatched and we needed a better house. In addition I paid secondary school fee for our child for 12,000 KES and restocked my existing retail business with 9,000 KES."

"I invested 20,000 KES of my third transfer on dry Grain business, and sell corn and beans since July 2017(spent the balance on debt repayment, food and badly needed seats).Currently my grain business has grown to the tune of 30,000 KES. Before I started this business, even getting our daily food as a family was difficult but these day I manage to get daily food for my family from this business. I have also experienced great peace with my husband since I do not have to ask for house upkeep money daily and provoke him in the process. This has reduced the friction we used to have initially. In addition, before I started my business, I was naive and closed, but opened up when I began going to the Market Centre and interacting widely with a lot of people, which has been beneficial in the sense that we share ideas, with one of the consequences being that I got to join a local Grain-sellers SACCO where I save 1,000 KES monthly from my profits since August 2017. Had it not been for GD financial support that facilitated me to come out, I would not have gone and gathered all this information. I hope to grow my business to a level where I can diversify for better profits since I can also borrow money from the SACCO. Thank you very much."

"I spent my third transfer on building a 2 room kitchen to facilitate me since I used to cook from outside and got inconvenienced a lot. In addition,I paid secondary school arrears for 15,000 KES to enable our child get back to class.I also bought seats for 12,000 KES since we did not have any seats at all."

"I spent my entire third transfer on building a 3 room house for 50,000 KES, though not yet completed. Actually, my family is already living in the unfinished house as necessitated by the fact that our previous house was grass-thatched and leaked badly. We are financing the completion process through funds created from my Brick-making business that I initiated using 36,000 KES from my second transfer, from which I bought varied equipment and tools to start me off. I started with 4,000 bricks, but currently I am processing 6,000 bricks, for which I already have potential buyers. I hire 4 Casual workers at any one given time for the purpose of digging out the soil, mixing, moulding and processing. We have a complementary source of funding from a Retail Kiosk in which I invested 10,000 KES from my second transfer as well. This particular business has grown to a level of 15,000 KES working capital. In addition, the ventures have enabled me to join 3 Women/Savings groups since August 2017. I have been saving 1,600 KES per month, and additional 100 KES daily that translates to about round 3,000 KES monthly, so a grand total of about 4,600 KES. Life looks up for us as a family since our standard of living has improved a great deal, and we plan to transfer our children from Public to Private Schools for more effective learning as schools reopen in January 2018. We also plan to complete our house soon. The greatest difference in my life is that my stress level has reduced a great deal, because in my view, having income brings about change."

"I spent my third transfer on a donkey for 12,000 KES for the purpose of water transportation from the source. Before GD support I spent 60 minutes to fetch 20 litres of water which I carried on my and could therefore only make two trips per day and which was very straining, yet I still had to perform all the other house-hold duties because I am a woman. With GD support, currently I use the donkey I bought to fetch 80 litres within the same 60 minutes and I do not carry any weight. I plan to serve other villages for a fee once the drought situation gets worse and water sources become more scarce. I also bought two goats for 6,000 KES.I spent the balance on household furniture for 28,000 KES."