"Towards the end of the year, my objective is to save a sufficient amount of money to acquire livestock. The acquisition of livestock will provide me with an opportunity to amass wealth as their numbers multiply. In addition to investing in livestock, I intend to allocate a portion of the funds from transfers towards paying for my children's school fees. This will ensure that they receive a quality education and pave the way for a prosperous future."

"By the end of this year, my objective is to gather all the necessary building materials for constructing my new house. The monthly stipends will play a significant role in enabling me to achieve this goal. The assurance of a spacious and sturdy house will bring peace of mind, eliminating concerns about homelessness. Consequently, I will be able to concentrate on earning a livelihood and providing a good upbringing for my children. Additionally, apart from house construction, I aspire to invest in livestock as a means of accumulating wealth for the future. This will ensure that I can continue paying for my children's education expenses even after the program concludes."

"We recently formed a merry-go-round group of five people, and I've been saving $10 every month since then. My goal is to save enough money to purchase building materials such as iron sheets and building poles. I have a four-room rental house in a trading centre that could have generated a good income, but because its walls are made of mud and the roof is dilapidated, only one tenant moved in, and I am currently only receiving $5 per month from the tenant. I intend to replace the roof with new iron sheets and rebuild the walls with bricks using the monthly transfers. This will attract many tenants, increasing earnings to at least $25 per month. This is what I want to accomplish in the coming year and beyond."

"A few years ago, my wife passed on and I was left to take care of my eight children. Raising them single-handedly has not been easy because I rely on casual jobs to make ends meet. The money I get , can only be enough for food but for other needs such as education I depend on bursaries and well-wishers. If I had a stable source of income, life would be better."

"I am old and struggling a lot on my own, my legs are feeble and I have difficulty walking. I fend for myself and a sickly daughter, Marina. She has been sick for the last 3 years, she has a cancerous leg and she goes through a lot of pain, she cannot move at all and has to be assisted to do everything. It gives me sleepless nights to take care of her, she sometimes cry uncontrollably because of the pain and request to be taken to the hospital but I am helpless since I do not have the money to take her for medication in Eldoret Referral Hospital. I have been treating her with traditional medicine but there has been no improvement. Day after day, I have massive worries and wrestle with hopelessness and the thoughts of ever being able to take my daughter to the hospital. The 3 years have been hell, unbearable, and miserable. I am poor with the state of my sick daughter"

"Life has become so unbearable because the cost of living has gone up. The cash I usually earn from engaging in casual jobs is hardly enough to meet my daily demands. I separated from my wife sometimes time in 2017 due to irreconcilable differences and so I have been left alone to fend for our two children, the burden of providing for them is an uphill task, it breaks my heart when I fail to provide adequately for them. Caring for children is the most reassuring and rewarding endeavor but at the same time it can drive someone nuts especially when there is not enough-ness of money."

"Despite my limited financial resources, my ambition is to ensure that my six children receive the best education possible. Personally, I never had the opportunity to enrol in school, and I do not want my children to experience the same. Though raising the fees for all six has been difficult, the transfer has been a huge relief, and I am grateful that they have been able to continue their studies without interruptions due to fees so far. As I continue to work casual jobs that pay as little as $3, I can comfortably take care of other needs, such as food, knowing that fees have been covered by the transfers. I am hopeful that by the end of the program, they will have accomplished some of their academic objectives."

"What I hope to accomplish in the coming year and beyond is to ensure that my seven children feel comfortable in school and are able to achieve their academic goals. I rely on the transfers to pay their fees on time in order to avoid being sent home. Raising fees for them would have been difficult if it hadn't been for the transfer. My brothers usually help me out, but it's limited because they all have large families to look after. I also plan to buy some goats with any extra money from the transfer. Owning livestock, such as goats, is a good investment for those of us who live in rural areas and rely primarily on small-scale subsistence farming. I can easily sell to raise funds for my children as well."

"The aspect that is making my life harder at the moment is lack of work and hunger. Because of the prolonged droughts in our area which have taken about three years, it has been hard to get menial work on the farms. This has led to a lack of money and a lack of food. I'm forced to sleep hungry about 2 to 3 times a week whenever I don't get work. This makes my life difficult since I don't have the energy to work the following day because of hunger."

"Our biggest challenge as a household is my disability. I have a leg problem. I need to change my walking feet yearly. It costs $250. I have used the one I have now for more than a year due to a lack of funds to change it. We cannot raise the amount as a family, hence making my life very difficult. This has also affected my ability to walk properly and also assist my husband in doing simple tasks."