"I spent my third transfer on building a goats shed and bought 6 goats for 20,000 KES, and intend to raise them to finally exchange them for a cow. I spent the balance extending our house which was small for 27,000 KES, since we needed more space ."

"I had been poor in handling emergencies due to lack of resources/ investments so when I received my third transfers, I decided to buy 2 cows that I believe one day will help me when in financial problems."

"I spent my first transfer to build a house,and to buy a cow,a bed and a mattress,I also married a wife."

"I spent my transfer to buy a cow,a bed and mattress,sourcepans and plates,I also stocked some food like maize and cassava. I have kept part of my money waiting for the next transfer to add and build a good house."

"I spent my first transfer to buy a bed and a mattress,a cow,clothes,I hired land and I also married for my son a wife."

"I spent most of my third transfer to buy two dairy cow for my future use as l will not spent money to buy milk from the neighbors, the remaining balance l spent to buy two sacks of maize for my consumption and uniform for my children."

"I spent my second transfer on stocking millet and cow peas so that i can sell expensively when the prices go high. I plan to buy cattle after selling millet and peas."

"I spent my first transfer for buying three cows, matress, music woofer and the solar panel."

"I spent my first transfer on treatment since I was very sick by the time money came to my phone. I also bought food, household items beddings and a cow that when it calves; I will be in position to take milk to improve on my diet"

"I spent my third transfer on enrolling my daughter in a boarding high school and right now I can say that I have a peace of mind since being a day scholar she used to come home late at night and the likelihood of engaging in risk activities that could lead to her being a school drop -out were high .I also bought food and she -cow too."