"I spent most of the third transfer to buy building materials as l am planning to build ironroofed house since l am staying in a thatched leaky house where l am not comfortable . The remaining balance l spent to buy dairy cow, this will save me from spending money to buy milk from my neighbors."

"I spent most of the third transfer to buy dairy cow for future use this will save me from spending money to buy milk from my neighbors, l also spent the transfer on funeral program for my in-law. "

"Iam excited because i will buy my cows that will help in ploughing our gardens."

"Out of my first transfer I used KES 18000 to buy a cow. I also bought iron sheets and other building material worth KES 14000. I am happy I was able to put my son back in school with the remaining amount who had dropped out of college during his second year of study. I am extremely excited I got to do things I would not have done without this break through."

"Receiving this money means alot to me. I will use the money to build a new house, buy a dairy cow as well as buy a small piece of land."

"Receiving this money means that I will now buy a cow which I have always wished to own.This will help me feed my children when I milk."

"Receiving this money is a great opportunity for me,I am going to expand my baking business together with buying a dairy cow."

"Receiving this money brings happiness to my family. I would like to spend the transfer on buying a cow that will eventually provide me with milk hence improved nutrition."

"In the coming six months I expect to have accumulated enough money to purchase a cow since my turn to receive the contribution from the group members would have come."

"Receiving this money means that I will be able to buy iron sheets so that I can repair my leaking roof, part of it will be spent on food and a dairy cow. "