"I spent my third transfer on building a 3 room house (50,000 KES) since I had a grass-thatched house and used to be rained on and as such housing was an emergency for me."

"I spent my third transfer on stocking up my store with cereals. I decided to buy cereals because nowadays my farm does not produce much yield and buying cereals in small quantities is expensive. The remaining part of the money I used in the acquisition of seats in my house which formerly did not have seats."

"I spent my third transfer on saving it (50,000 KES) as I search for land that I want to buy to put up a house since my ancestral land is too small."

"I spent my third transfer on Secondary school fee for my child since he had high arrears and had been sent out of the classroom (20,000 KES), bought seats (10,000 KES) and a heifer that will hopefully provide milk for my family in future(15,000 KES)"

"I spent my third transfer on cementing my house. In our area the local soil is weak and each and every time you have to buy soil for house use, so when I got the third transfer I decided to cement house so that the money I use in buying soil for the house can be channeled to other important uses like school fees."

"I spent my third transfer on the construction of a new house. I am a widow and when my husband died he left me in a very old and dilapidated house, therefore when I got the third transfer I constructed a new, strong and better house than the previous one. My house is by the roadside where there is a lot of passers by. Whenever they see my new house I see admiration in their eyes. That makes me feel so good because I never new I could achieve some things, for example, building a house on my own, but because of the transfer I was able to achieve one of my greatest dream in this life."

"I spent my third transfer on a second motor cycle for transportation of my vegetables to the market (55,000 KES), and it is better for me since it is more efficient.I had saved some 7,000 KES from the second transfer , which I added to my third transfer to facilitate me."

"The biggest difference is that I can sleep soundly,unlike before when the nights seemed longer because of the old thin mattress that gave me back aches."

"My niece will have a secured future as I will saved part of the transfers to pay her school fees and ensure that she completes her study."

"The biggest hardship which i faced was when some one stole the motorcycle which i was also given by some one to ride .this forced me to pay the bike to the owner."