"I am planning to buy farm inputs like seeds and fertiliser which I will use to increase the output from my farm. Some of the transfers will be used to buy some oxen and a ploughing machine which will assist me when I am tilling my farm. Finally I plan on buying a dairy cow which will provide my family with milk and I can also sell the surplus milk. "

"My proudest achievement is having joined a merry go round (informal savings group), I managed to save 10,000 Kenya Shillings which I used to lease a piece of land. I planted sweet potatoes and after harvesting and selling the produce I was able to buy a cow and some furniture for my house."

"My proudest achievement is having bought a cow, I managed to achieve this by saving money that I was paid for doing some casual jobs in various farms."

"I spent the first lumpsum on buying 2 cows at 30000 KES, paid 7000 KES school fee and used 3000 KES on buying utencils."

"l spent 45000 KES to buy three cow bulls for farming, the remaining balance l spent to buy foodstuffs."

"We are planning to buy two cows and also plaster the walls and floor of the house."

"I bought a lorry of sand at 8,000 KES, a cow at 16,000 KES, a solar lamp at 6,000 KES, 60 kilograms of maize at 1,500 KES, paid 15,000 KES school fee for my son in high school, used 1,000 KES on clothes for my children then used the rest on food for my family."

"We are planning to buy cows for paying dowry and repairing our house with the upcoming lumpsum transfer payment."

"I bought 30 bags of cement at 21,000 KES, wooden seats at 6,000 KES, a cow at 18,000 KES, then added some of my money to the rest of the cash and paid 12,000 KES labour charge."

"I am planning to buy chairs, a cow and pay school fees for my child."