"I felt very happy upon receiving my first transfers."

"I was the happiest when I received a mobile money message that day. I jubilated the whole day and till now I am still jubilating because that transfer raised me up from the grassroots of poverty."

"The moment when I received my money,I felt so happy because I knew that my life was going to become better."

"I spent my third transfer on cementing my house and buying a bicycle for 10,000 KES to facilitate water transportation from the stream , which has been a very tedious activity to me . I also bought a television set for 18,000 KES for news and entertainment.The rest I spent on basic furniture(cupboard) as well as other miscellaneous needs."

"I spent my third transfer on building a hut for our son for 25,000 KES since he is a grown man but a student and had nowhere to sleep and has been sleeping in our neighbours' houses. I also plastered the floor of our old 3 room house since we had a problem with jiggers, but this is improving."

"I spent my third transfer on activities related to moving from my father in law's compound and shifting to our own compound and building a house, as expected by Luo customs and traditions. We always wanted to do this but funds were not there, thank you GD for making it possible."

"I spent my third transfer on completion of building our 4 room house for 47,000 KES . We started itusing the second transfer. Our previous house was grass-thatched and had started leaking , so this was a priority."

"I spent third transfer on secondary school fee arrears for 15,000 KES to keep our child in class, and started a small scale business selling dry corn for 15,000 KES to sustain my family. The balance I spent on plastering our 2 room house to make it more presentable and durable. It construction was started using second transfer."

"My life is now debt free. I am not worried anymore like before. I can now move and socialise with people freely without worrying about debts whom I owe."

"I spent my third transfer on buying a second hand motor cycle for 53,000 KES( I had saved 6,000 KES from second transfer). My plan was to start a business , ferrying fish from the Lake and bringing home for processing and sale.However, I am yet to raise the capital for fish business. Otherwise the motor cycle supports me in travelling to the far off places whenever I get plastering work, and this way I save the amount that I would otherwise spend as fare."