"I spent my second transfer on building an iron roofed house.I also paid school fees for my children and want to buy a cow with the rest of the money."

"I spent my second transfer on ploughing my rice plantation since I want to earn an income from it.I also bought a cow,uniform and food"

"I spent my first transfer on buying a cow for rearing because I love milk so much and I couldn't afford it."

"I spent my first transfer on buying a cow as an investment. For a very long time, I had wanted to do diary farming and this transfer was the beginning of realization of my dream. "

"Alright, a cow, food and mattress! I spent my first transfer on a cow because a cow can add value and I get land from it. I also used my first transfer to buy food for my family. I am happy."

"The biggest difference in my daily life is that I get an income from my cow and buy my daily needs."

"I spent my first transfer on buying a cow for me and my family to rear and we also get some milk i also bought clothes for my children since they didn't have. "

"I spent my second transfer to buy two cows that was part of the payment of bride price to my wife since I had not done this for a long time. I also bought 25 iron sheets as part of materials to construct a new and bigger house and the remaining amount was spent on buying food."

"When I received my second transfer, I spent 15000 KES on a cow that I am anticipating to milk in the future to earn a living. I invested the remaining amount in plastic business-selling household goods-basins, cups, and other tableware. I resorted to doing the business to earn a living that could cater for my household needs and even in the future."

"I spent my second transfer on purchasing a solar lantern for lighting purposes,used some amount in celebrating a death anniversary for my husband who had passed on,bought food to sustain the family,paid schoool fees for the children and spent most of the transfer on purchasing a dairy cow to sell the young ones and take care of any emergency that might arise in future."