"I spent my last transfer to plaster the walls and the floor of my house and most of this transfer I used for this project of finishing up my house."

"Since I was married, it is now over ten years staying together, but my husband has never paid my dowry, so when I received my third transfer, my husband spent it on paying my dowry. I now feel like a woman like my fellow women in my community."

"I used most of my third transfer to pay school fees for my children who are in high school because I did not want them to miss exams and also to secure their future and the remaining amount, I spent to start a second hand clothe business which is my major source of income and no longer do casual jobs for other people and to be able to pay school fees for my children in with ease."

"I spent the larger part of my third transfer on building a decent spacious house in my own homestead since my previous house was burnt down for a fire disaster this occurred when my children were playing with the traditional lantern and paraffin spill off on my absent setting my house on fir , now I am relieved that I have a shelter. I also bought three bags of maize for my family's consumption."

"I spent my third transfer on completion of house construction since our previous one was very small (25,000 KES). I also bought a heifer (15,000 KES) that will hopefully provide our milk in the near future since good nutrition is important.The balance I spent on school fee debt and food for my family."

"I used a portion of my third transfer to pay school fees for my child who is in high school because I did not want her to be sent home for school fees. I bought second hand iron sheets and chicken mesh which I have used to build a chicken coup where I am rearing chicken for sale and this is now my major source of income. The remaining amount, I spent on buying local breed of chicken to rear for business and also bought food for my family."

"I spent my third transfer on building materials such as 30 pieces of iron sheets and 30 bags cement which I used to build houses and pay school fees for children."

"I spent my third transfer on completion of construction for my 3 room house which I began using my second transfer, as necessitated by the fact that my main house used to be very small. I also build a kitchen since I never had a kitchen to cook from before."

"I bought a cow to rear and later changed the roofing of the house, plastered the floor and added some of the cash as capital to my maize business which I sell at the town center and at home."

"I spent my third transfer on starting a small retail shop business, now my family and I are getting daily income in doubles that sustains my family's needs as opposed to before the transfer when I mainly depended on causal work like working on the my well -off neighbors farms like a peasant worker which was unreliable because at time one could bounce on getting such jobs since it was limited."