"I used my last transfer to build a house am yet to finish but the beginning is the important part, so I can say all the lat transfer was used in building the house"

"I built this house with a loan which took me a while to repay it and the possibility of cementing it was null and void hence I spent the larger part of third transfer on cementing my house into a semi -permanent one and now I no longer incur frequent cost of smearing it as I used to which was very costly.I also bought a television set to update myself on the current news which happen in the country and the world at large."

"When we received our third transfer we started a business of a retail shop which has enabled us to provide for our family without difficulties."

"I spent my third transfer on Secondary school fee for our child , a heifer to provide us milk future(13,000 KES). I also build a kitchen (13,000 KES) for our children to sleeping since they never had a place (13,000 KES) and added stock to my fish business.The balance I spent on food."

"I spent my third transfer building a kitchen which I now use for cooking and practicing an open air cooking has seized . I cemented my main house and fixed two steel windows hence smearing my previous mud house most frequently on rainy season has seized as it was very expensive .I added stock onto my fishing business as a result I am getting all profits which sustains my family members needs comfortably."

"I spent my third transfer on plastering a 3 roomed house and fixing steel windows (36,000 KES) since my previous house was very small and old .I also bought dry corn for food (4,000 KES) as well as a sheep (3,500 KES) since I want to start rearing."

"I bought household material such as bedding and furniture then renovate my house. I also bought food for my family with my third transfer."

"I spent my third transfer on completion for a 5 room house, with a master bedroom and a guest bedroom, including a kitchen and a store(100,000 KES). We started building this house with my first transfer, continued using my second transfer, and now it is completed since housing was a very urgent need for us as we lived in one tiny room with our 4 children"

"I have no house I live in my brother in laws house who is not around so when we received this transfer and especially the last one we decided that we are going to build so we have bought building materials looking forward to build a house in the next two months and then my husband also had gone to driving school but had not acquired a licence so we used some of the cash and pay up and get his licence."

"My husband being village casual labourer we couldn't raise that kind of money to build a house so when we received our third transfer we built our house."