"I am a horticultural farmer so when I got the third transfer I decided to buy some farm inputs which have really increased my yields and in turn increased my level of income. The other portion of the money I used in the construction of a new house for my father who lived in a a very old and not so good house."

"I spent my third transfer on a heifer that my husband plans to pay to my parents as part of bride price(15,000 KES). I also bought seven goats that we plan to raise and multiply to facilitate us in paying school fee for our children in future."

"I spent my third transfer on steel doors and steel windows and windows. My former house had wooden doors and wooden windows which were very old . I feel more secure in my house that has steel doors now and the house is now modern too."

"I spent my third transfer on a bicycle (4,500 KES) that I intend to use for transportation of items that I am planning to start selling. I also bought 2 goats (6,000 KES) that I want to multiply and one day convert to a cow.Last, I spent on seats (27,000 KES) because we had build a house using second transfer but had no seats."

"I had a very small squeezed kitchen constructed with only twelve iron sheets, but now it is constructed with twenty iron sheets, meaning it is now spacious enough. The other remaining amount, I spent on buying school uniforms for my children as the once they had worn out and I incurred some in my rice plantation given that I am a farmer. This is my investment."

"I used my last transfer to top up to the projects that I had started with my second transfer this is to finish building my house and complete the toilet project. The rest of the cash I paid school fees for my three kids of whom two are high school and one in college studying to be a teacher."

"I spent my third transfer in the construction of a new house. Formerly I used to live in rental houses which used to be very expensive on my part. When I got the third transfer decided to build a new house which would save me from the pain of paying monthly rent expenses."

"Since we lived on the lake shore with my husband we decided to start a fishing business using our third transfer to enable us pay school fees for our children."

"I spent my third transfer on plastering my 3 room house to improve its appearance since it was not very presentable before (47,000 KES)"

"I spent my third transfer on buying seats for my house which formerly did not have seats. Now my children and I have somewhere to sit on when in the house. The remaining part of the money I used in paying school fees for my children who at that time were at home because of lack of fees."