"I spent my second transfer on buying a cow for milking, paints for my old iron sheets, replaced my old windows and spent the rest on school fees for my grand daughter."

"I spent my second transfer on paying 10,000 KES school fee for my child in high school, bought building materials at 30,000 KES then bought a cow at 10,000 KES after adding some of my money to the rest of the cash."

"I spent my third transfer on buying a cow and a goat for rearing. I will sell these in the future and earn some money. "

"I spent my second transfer to start a chain of small scale businesses of selling charcoal, a food kiosk,and a retail shop. In my community,people used to walk for long distances to access the shops so I took advantage of that. I also bought two cows that I am since rearing. "

"I spent my second tranfer on buying a cow, sheep, built a kitchen and still spending the rest on cereal business."

"Well , land and a cow! I spent my third transfer on buying a plot of land worthy 1000000ugx . I bought this land because I want to build houses for renting. I also bought a cow at 400000ugx for rearing. "

"I spent most of the second transfer to buy dairy-cow, this will save from spending money to buy milk from neighbors. I also spent the transfer to buy television for entertainment and it will also helping me get informed through news a bout what is a happening in our country. The remaining balance l spent to buy 3 sacks of maize for my consumption. "

"I spent the larger part of my second transfer on buying a dairy cow 30,000 KES. I bought building materials such iron sheets 15,000 KES and nails 800 KES for a livestock shed that I am planing to build .I also bought household expenditures 4.200 KES."

"I spent most of the second transfer to buy cow- bull for farming and an ox plough, this will save me from hiring people to work on my farm, l also spent the transfer to buy 2 sacks of maize for my consumption. The remaining balance l spent to buy iron-sheet as l am planning to build my house."

"I spent most of the second transfer to build a spacious comfortable house that accommodate me with my family members, since l was staying in a very small uncomfortable house. I spent the transfer to buy cow-bull for farming, this will save me from hiring people to work on my farm. The remaining balance l spent to buy l sack of maize for my consumption."