"I spent most of the second transfer to buy build materials as l am planning to build a spacious nice house, since l am staying in a very small uncomfortable house which can not accommodate me with my family. The remaining balance l spent to buy dairy cow for my future use."

"I spent my second transfer to pay my hospital bills and school fees for my children.I also bought food and a cow with the remaining transfer."

"I spent my second transfer on buying a cow, cupboard, food and cothes for my household. I have also paid annual fees for my six children so that they can study without being sent home often."

"I spent my second transfer on buying 2 cows 30000 KES and paid school fees 20000 KES."

"I spent my transfer on buying 1 cow 8000 KES, bought sand 13000 KES, bought ballast 13000 KES, paid 4000 KES, paid school fees 1800 KES and used balance on daily meals."

"I bought a crossbreed cow worth 48,000 KES. I also spent the rest on other household items."

"I spent my transfer on buying some livestock including a cow for milk and some few chicken which I will be keeping for our personal use. I then bought a few household furniture that I did not have like a bed, a new sofa set and a side board for keeping my utensils. "

"I spent my second to build a new house since I had an old thatched house which was almost falling down and bought a dairy cow.I also bought food for my family and pay school fees for my children."

"I spent my transfer on buying a cow which I will be keeping for milk. I then bought building soil and used it to repair the walls of my house that had started shedding and almost collapsing. I then spent the remaining amount on buying a sofa set since I never had seats in my house."

"I spent my third transfer on completing the construction of my house. I also bought a cow for rearing as an investment."