"I invested a big part of my second transfer on Cosmetics business (25,000 KES) to enable us get a source of income, and gave the balance to my husband who bought seats (20,000 KES)for our house."

"We had one of our daughter who had done well in high school and joined the university so most of our last transfer to pay for her fees and any other thing that she would need in school."

"I spent my third transfer on school fees for my children and bought 20 irons sheets for roofing then save the rest for my upcoming cereal business."

"I spent part of my third transfer on buying 20 pieces of iron sheets since I am planning to use them on build a traditional house ''simba'' for my son when he is of age as the custom states at the moment he is sleeping in the kitchen with her other sisters.I cemented my kitchen which I had built with the second transfer and now I am living in a clean environment with less presence of dust .I also bought a television set to get acquitted with the current information that happens in the country and outside the country as well."

"I spent my third transfer on plastering our 2 room house and buying a sewing machine (25,000 KES) to increase my practical skills and start a business since I had trained partially earlier on."

"I used my last transfer to buy a goat worth 3500 KES to rear then bought maize for home consumption, iron sheet and nails for building, paid fees for my two kids and the rest used for small things in the house."

"I spent my third transfer on paying school fees for my son who is in high school 20,000 KES for the whole of this year .I also boosted my fish business by buying fishing nets 10,000 KES and hiring fishing boats as a result from the harvested fish ,I sell to the nearby town called Kisumu getting doubled daily income comfortably despite the daily challenge in the business sector hence borrowing (food ,money) from my neighbors has seized."

"I spent my third transfer on 6 sheep (21,000 KES) that I am using as seed to start a sheep raising Project for income for rainy days.I also plastered my house ( 20,000 KES) to improve its appearance."

"I spent my third transfer on buying construction materials (47,000 KES) for a house, that we plan to build on our new land where we plan to relocate around the month of December 2017."

"We agreed both my husband and I that we buy a motorcycle with the last transfer this was meant to be the source of income in the family so all the transfer was used in this cause"