"When I received my second transfer, I spent KES 45,000 on a second-hand motorcycle. This was with an intention of self-employment. But unfortunately, one of my debtors came and took it forcefully as a payment for his debt. I, therefore, decided to continue with my welding job where I normally get KES 500 a day. From this, I save KES 1,000 weekly in the village savings group with a plan of buying a motorcycle again once I receive my contributions. Furthermore, from the remaining transfers. I spent KES 3,700 on a bag of maize which will sustain me for the next few weeks. I also KES 1,200 on a 200 liter of water container which helps in the storage of clean rainwater. Lastly, I spent KES 1,000 on a large cooking pot which is durable and will come in handy whenever I have visitors."

"My brother is a motorcycle operator. He brought 10 Jerican of water (20liters each) last wee to my house. This brought joy and happiness to me because it relieved me the burden of going to the tap for 5 days."

"I have two daughters who are in secondary school and paying their school fees is a great challenge to me. My husband is a motorcycle operator and what he gets from his job cannot sustain the needs of the house. I have been soliciting money from my relatives in order to enable pay school fees for my two daughters, despite eating in my house is either once or twice in a day. Receiving this transfers means I will clear the fee balance , keep half of the first transfer to pay for my daughter's next term fees and spend the second transfer to buy goats for the family to keep as a family wealthy because goats do good in my area than indegenous cattle."

"I saved the recent cash send me to mold bricks for our house project." (Occupation: Motorcycle or bicycle taxi)

"My new goal is to build a chicken coop so that I can keep chicken.This business will give me extra income.After receiving my first transfer, I bought a motorcycle with my first transfer and currently I am doing business so that I can start up." (Occupation: Motorcycle or bicycle taxi)

"For the last 5 years, I have had a desire to venture into sheep rearing business but that has not materialized because of my low income. I am a motorbike taxi rider earning a profit of KES 200 per day. I use the whole amount to buy food for my family since I am the sole breadwinner. I have developed a chest problem as a result of riding a motorbike for long and it is time to abandon it. My doctor told me that if I continue it may get worse and that has been my source of worry. I live next to the vast Chepalungu Forest and farmers are allowed to take their animals for grazing inside the forest. Sheep multiply very fast and I feel like it is the only opportunity for me to become financially independent." (Occupation: Motorcycle or bicycle taxi)

"I earn a living as a motorcycle rider, “boda-boda driver”. My wife has a small hotel business where she sells cooked food to clients. The harsh economic conditions present in the country have posed an enormous challenge in my work. An increase in fuel prices has reduced our profit margin immensely. It is now very hard to cater to the daily needs of my family (mother, wife, and 7 children). This forced my wife to shut his business to attend to my sick son, who was diagnosed with pneumonia and admitted to the hospital. She exhausted all her saving paying for our son’s treatment. I could not work for the past week because of helping my wife take care of our son. With no income from both me and my wife, the situation worsened, and lacked food for the better part of the week. Upon receiving my transfer, I bought a 90kg bag of maize that will last us for the next three weeks because of the enormous size of my family." (Occupation: Motorcycle or bicycle taxi)

"The wooden pillars of my house are in a very poor state. They have been consumed by termites. This has made the house very unstable. I feel insecure to live in it. I have the fear of it falling over me In case of strong winds. I intend to renovate the structure by constructing concrete pillars around it. This will cost around 35,000 KES. With the concrete pillars, the house will be strong to stand any form of wind gusts. Therefore, receiving this money means safety for me." (Occupation: Motorcycle or bicycle taxi)

(Occupation: Motorcycle or bicycle taxi)

"Getting earnings for my motorcycling work is uncertain. The motorcycle I use is also not mine. So, with the profits I get, I have to share it with the owner and also put aside some funds for the fuel. This leaves me with very little pay. Other than that, I also live in an incomplete iron sheet constructed house. Since I did not have funds to aid with its completion, I used Polythene to cover it instead. When it rains, water drips in and most of my belongings get drenched. Now that I'm receiving these funds, I feel like all this will be resolved as I will use the cash to improve my house. I have a deficit of 9 iron sheets to complete its construction. This will cost me around KES 7920. Therefore, every time I get the transfers, I will invest in buying one or two sheets. I believe my living conditions will be improved thus making me more hopeful. Therefore, there is a great difference in my life."