"When I received my second transfer, I spent around 30000 KES on livestock-a cow and 2 sheep. I have been dreaming to be a livestock farmer and therefore I considered this as a break through to my long-term dream. Besides, I spent the rest on food since we never had something for us to eat."

"I spent my second transfer on paying back a 10,000 KES debt i had, bought a cow that will soon be providing me with milk, steel windows and door for my house(to enhance fresh air circulation and the security of the house) and spent the rest of the money on food."

"We spent part of the second transfer to buy three cows that was used to pay my bride price since this had not been done for quite a long time, we then spent some money to buy three bags of maize that we will use for food, bought new clothes for the family and some was spent on medical expenses."

"I spent my second transfer to buy a cow that will give me milk to sell and consume, I spent part of it to pay school fees for my three children in secondary school so as not to have them sent back home for fees and the remaining amount was spent to buy two sheep to keep in my compound."

"I spent my second transfer on buying a cow since I want to start milking it and sell the milk to get an income.I also bought 2 sheep,a cupboard,utensils,paid school fees and ploughed 2 acre of land."

"I spent my first transfer on buying a cow as an investment. I felt it was the best way to multiply my this money."

"I spent my first transfer on buying beddings since I was very poorly like a rat. I also mobilized resources and added on my balances to buy a cow. "

"I used my first transfer to buy a cow because i wanted to rear an animal at home."

"I used my first tranafer to buy a cow. I wanted it to be an investment in my home."

"I spent my first transfer on buying a matress. This is because was sleeping uncomfortably on a mat and yet I had just delivered. I also deposited on a cow."