"Well, a cow! I spent my my first transfer on a cow for milk and future income for my family."

"Oh yes, a cow! I used my second transfer to boy a cow for commercial milk and for future household income. The balance of my second transfer is going to help me to start up a retail shop in Nabitende Trading Centre."

"The biggest difference in my daily life is that what I did not have I now have and in turn they will help me in future like my two cows which I can always sell whenever I have a problem."

"I spent my first transfer to buy two goats being that I am planning to rear them. I also bought food using the remaining amount and built a cow shed too. "

" I spent my third transfer on paying school fees for my children. I also bought a cow for providing milk at home."

"I spent my third transfer on buying a cow for milk and food for my family since there has been alot of drought that all the crops dried up. "

"When I received the second transfer, I used a total of 43000 KES from it to buy cows and take them to my wife's home as dowry, to formerly be allowed to have my children even after we separated with their mother. I then bought 2 sacks of maize at 4600 KES for my family's food since we did not have food in the house. The balance was used for paying my children's nursery and primary school levies and buying them clothes."

"I spent my third transfer on completing my house which I had started using the transfers. I also bought a cow which provides milk and improves my diet."

"I spent my third transfer on buying animals (2 cows, 4 goats) for rearing and for asset accumulation. "

"I spent my third transfer on buying a bull to facilitate expansion of my farm which i started with the cow bought using the first transfer. I also bought household items and utensils."