"I spent my third transfer on University fee for my child who is a Business Administration student to enable him learn consistently."

"I spent my third transfer on an oxen for the purpose of land preparation (in partnership with neighbours ox) , as well as 2 heifers that my family plans to raise and ultimately multiply."

"I spent my third transfer on plastering our old 3 room house and finishing with steel door and windows for 47,000 KES since we badly needed a better house."

"I spent my third transfer on ploughing , 4 kg of hybrid maize seeds for 1.5 acre of land for 10,000 KES to improve my yield, but there ws infestation of army worms and therefore no harvest.I spent the rest on secondary school fee for our child to enable consistent learning,and the balance on a bag of dry corn and assorted food items for my family."

"I spent the whole of my third transfer to buy motorcycle as means of transport where my spouse use to transport people from one place to another to get our income."

"I spent most of my third transfer to buy building materials and build for my children where they spent their night since they were sleeping in was almost collapsing down and this very risky."

"I spent most of my third transfer to plaster my house since it is the cheapest way to maintain it l don't need to spent money most of the time to repair it, the remaining balance l spent to start a business of a mini shop where l get my daily income as compared to before when l would work for people in their farms to my daily basic needs."

"I had been poor in handling emergencies due to lack of resources/ investments so when I received my third transfers, I decided to buy 2 cows that I believe one day will help me when in financial problems."

"I spent my third transfer on house construction materials , and planning to build a better house once I am well, since I became unwell.I also bought clothing and food for my family."

"I spent my third transfer on a heifer for 20,000 KES to provide our milk in the future. I gave my husband the balance with which he bought cattle and other items to pay bride price to my parents, which has given me more honour in the village."