"I used my last transfer to buy a cow worth 15000 KES for milking and giving birth so that when their is an emergency I would sell and help out then I used 10000 KES to farm I leased and bought seedlings and paid the laborers I also paid fees for my two children in primary school."

"Having a cow has been my greatest dream but since I didn't have a stable source of income I couldn't buy it so when I received my third transfer I bought a cow to full fill this dream. I now feel so proud because I believe a cow is an investment. I also used part of the money to boost my business which is doing so well currently and it can sustain my family."

"I have a son who is in secondary school and his school fees was being paid by one of brother-in-law's who stopped and I feared him dropping out given that he had already been sent out of school. So when I received my third transfer, I took him back, I am glad he managed to go back to school. The remaining I spent on buying glass windows and steel door that I have since fitted. My house is so neat and presentable."

"Given that my spouse is a fisherman, we decided to buy fishing nets and other fishing items needed using our third transfer to give us more income. We now have our fishing items."

"I am a horticultural farmer, but I did not have bulls for ploughing, and I was forced to hire, so when I received my second transfer, I bought two bulls, and when I received my third transfer too, I added two more. I now have the bulls for ploughing my farms without having to hire. I also bought school uniforms for my children in school."

"I used my last transfer to acquire a surgery I had problems with my bladder so I used this transfer to pay for the medical bills and the remainder of the money I used to pay fees for my child who is in high school"

"I spent my third transfer on buying 5 goats,2 dairy cow,am happy to invest mre on livestock.I also bought food,bedding and furniture with the remaining transfer."

"I spent my third transfer on buying steel doors and glass windows that I am planning to fit in a new house that I will construct soon God willing. The remaining I spent on paying school fees for my son who had just returned home for school fees."

"I spent most of the last transfer to pay school fee for my daughter who is in secondary school she is now sure of completing her school, I spent the last transfer to plaster my house since l wanted to stay in nice good looking house as compared to before when l was staying in a very dusty house. The remaining balance l spent to buy cushion for me to sitting on a comfortable furniture."

"If I never received this transfer, I would not have managed to acquire the seats that I currently possess. Similarly, livestock farming that I had admired for decades could not have been accomplished if I never received this transfer."