"I used some money to pay school fees for y child in high school I paid his fees because I had arrears and because I saw that am not going to get any money from the future so when I received this transfer I decided to pay his fees."

"I spent my third transfer on completing the last installment for a piece of land for 27,000 KES and constructed a 4 roomed house for 23,000 KES. GD Grant came to us as a miracle since my family was under pressure to move out of the ancestral land and give way to equal division, yet my husband and I never had money to buy land and we used to be embarrassed by other family members all the time since we were delaying the process.They became hostile to us. Thank you very much for bailing us out."

"I had a very squeezed house that could not accommodate my growing family so when I received my third transfer, I built a new house. It is three rooms and its spacious enough. The remaining I spent buying bedding. I can now sleep in a very comfortable place. I do not get embarrassed showing someone my bedroom as my bedding are attractive."

"When I recieved my third transfer, I constructed a semi-permanent house of 42 iron sheets that can now accommodate the whole of my large family. I had been longing for a better house since my former one was too tiny to accommodate us all. In fact, we felt unhappy and uncomfortable living in the former house and this explains why I started buying building materials slowly by slowly since my first transfer."

"When I received my last transfer I used it to buy seats I had the old fashioned ones they were also torn and worn out and I also thought it would be nice to be at per with the new fashion, then I also finished up building the house so i bought iron sheets and timber then lastly I bought chicken to rear."

"I used my third transfer to pay school fees for my children and build a fish cage for my fish farming business.I also bought food and clothes for my grandchildren with the remaining transfer."

"I spent my third transfer on cementing my house into a semi-permanent one from a mud house.I no longer frequently smear my previous mud house and the time I used spare for smearing it I now spend on my small retain business or attending rosca's with the aim of developing my household."

"I added part of my second transfer to my third and bought a motorbike that I use for taxi business. I wanted something that could give me money everyday that is why I thought of a motorbike taxi- business."

"My husband passed on 15 years ago and the house he built me, had worn out and the roof was very rusty and leaking, I had to build a new one, so when I received my third transfer I bought building materials and built a new house. I am no longer rained on. I sleep in a very warm house. The remaining I spent on buying livestock for rearing."

"I spent my third transfer on building my kitchen which I didn't have and plastering it as well. I now have an ample place for cooking and storing my household items too."