"I spent my third transfer buying building materials that I used to complete a house I had started constructing using the second transfer. I am happy I am now in a very nice house. Thanks to GD."

"I spent my third transfer to build a new house which we located on our own land as per Luo traditions (47,000 KES) since we had never had an opportunity before and this was the most opportune time."

"I spent my third transfer on seats (27,000 KES) since we did not have seats and this was a good opportunity and also 3 goats ( 15,000 KES) for wealth creation. The balance I spent on primary school fee for 7 children since I also take care of orphans."

"I spent my third transfer on College fee ( 40,000 KES) for my husband because this is one item that has been worrying us much. I spent the balance on Primary school fee for our children as well as food for the family."

"I spent my third transfer on cementing the floor of my house. I also paid school fees for my children who used to be sent home for school fees every time."

"I spent my third transfer on buying sofa set seat 9,000 KES and cupboard 9,000 KES which I didn't have before.I bought a car battery to assist me on light at night.I smearing my house which I had started constructing with the second transfer . I also bought food for my household consumption and now my family and I are getting three meals in a day unlike before the transfer, having three meals was a luxury."

"I have a daughter who was to join high school and another one who is deaf, and I was embarrassed as people could laugh at me if they did not go to school. So Immediately, I thought of paying the fees to enable them stay in school using my third transfer. I am happy they are in school now. Using part of the money, I used to grow sugar cane. This will enable me to keep my children in school. I am happy and grateful for receiving the money as I have moved a step ahead in life."

"I spent my third transfer on paying college fees for my child and high school fees for the other child. I was really stressed up and I did not know where I would get the money for paying their fees. I am now relieved because I have cleared with their respective schools on the fee issue."

"I spent my third transfer on buying two oxen 23,000 KES to assist me in cultivating my farm hence practicing labour exchanged has seize to be a challenge and its a relieve since I now prepare my farm on time. I bought a sofa set seat 12,000 KES. I also cemented the the internal walls of my house which is now presentable as opposed to before the transfer when it was just made of mud."

"I spent my last transfer in purchasing dairy cows to help me in milking for consumption and for selling and sheep for rearing and then later sell to help me in school fees when my grandchildren w attain the age of joining school ."