"When I received my third transfer,I saved it and added it to my third and bought a motorcycle that I am using for taxi business. I am a boda boda operator but I was a bicycle which was quite tiresome. I now have my own motorcycle and I enjoy maximized profits."

"I am a casual laborer and getting daily odd jobs to meet my needs has always proved to be a problem, so when I received my second transfer,I saved it and added it to my third transfer and bought a motorcycle that I use for taxi business. I am able to meet my family daily needs."

"I spent part of my third transfer on my dowry payment as our tradition require of my husband. The remaining I spent on buying livestock for rearing."

"I spent my third transfer on buying a second hand motor cycle for transportation business at 50,000 KES. We have continued paying small instalments daily since then. My husband and I had no source of income before GD came into our village,I did casual work at Dominion Farm , while my husband did casual work at the Lake and our earnings were low.But of late I have seen an improvement since I also left my job and started a small scale business."

"My life is different than it would have been if I never received the transfer in that we currently live in a warmer house since the new house is not leaky. Again, my house can never run out of domestic water any more since I have a bicycle that enables me to fetch more water over longer distances within the shortest time possible."

"I spent my third transfer on buying three bulls for ploughing. I had to pay people to help me till my land previosly. I now have my own bulls. I also spent some on buying goats."

"I spent my third transfer on buying three bulls for ploughing. Previously I could use my bare hands to plough and this was so tiring and time-consuming and sometimes planting season could pass without me tilling my farm and that meant no harvest. This is a gone case now given that I now have my own bulls and I plough on time like the others."

"I believe that if I would have never received the transfers, constructing an iron-roofed house would still be a mirage to me-I would still be hopeless of one day walking out of a leaky grass-thatched house."

"I spent my third transfer on taking my son for a vehicle mechanical course. I also bought some money on buying building materials that I used to build a more spacious house. I used to have a very squeezed house that could not accommodate me and family."

"The biggest difference in my daily life is that i feel good about life generally. Before, my life was not worthy enough to be proud of."