"The biggest hardship i have faced is raising school fees.When my son joined University,it was very difficult to raise his fees and this forced my spouse and I to sell all our cows.Up to now,we do not have any cow to produce milk for my family"

"In the year 2009, we decided as a family to invest in tomatoes farming after maize failed to give us profits for three consecutive years. To our surprise, we made a very huge harvest which saw us make a lot of profits. It was then that we were able to build this house we are living in and even bought a dairy cow for the family. This was a great achievement to our family which I will never forget."

"I'm planning to use my transfer to buy a dairy cow, this will enable have enough milk for my family and also create income by selling the remaining"

"I am planning to use my transfer to buy a dairy cow and build house for my poultry farming, this will increase my income"

"I spent the transfer to pay contractors to build a new house as i had an old house,bought a cow for rearing and the rest i bought my son iron sheets to build himself a house as he did not have one."

"The expected biggest difference in my daily life is that when I finally buy the cross breed cow, I will be able to get more milk for sale , and make more money, from which I will accomplish my other projects"

"I spent the transfer to buy a cow for rearing to give us milk,bought building materials to renovate my roof as the timber had decayed, paid contractors and the rest i bought food for family consumption."

"I spent the whole of my third transfer on purchasing two dairy cows for milk production which we will start enjoying three months from now when they give birth. I plan to sell some of it to get money and use the rest in my house because currently, we use black tea because we can not afford KES 40 everyday to buy milk."

"I spent my second transfer to purchase a wall unit that costed me 19,000 KES then I bought a cow at 17,000, bought two goats at 7500 KES and the remaining amount I spent to plaster my house."

"I boosted my third transfer with my savings from second transfer and spent it in purchasing a piece of land worth 60000 KES because I wanted to put up my own home since we did not have enough space to put a home.I also bought a cow worth 17000 KES because I new with time it will add me some financial value."