"I bought 8 bags of cement at 6,400 KES, paints worth 7,600 KES and paid 8,000 KES for labour to plaster and paint the house. I also bought a knaspack sprayer container at 2,500 KES, water pipe at 6,000 KES, paid up a debt of 3,000 KES, pesticides at 2,500 KES and sent 2,000 KES to my mother. I am planning to construct a cow shade with the rest of the transfer."

"I spent the transfer on buying 20 pieces of iron sheets ksh 16000, steel door ksh 8000, 3 windows ksh 7000, 1 cow ksh 10000 and table ksh 3000."

"When I got my first lumpsum payment, I spent 30000 KES on 2 cows, 10000 KES on a sofa set then I paid 3000 KES school fees for my children and I used the remaining 7000 KES for daily household needs."

"I paid 15,000KES school fee to my daughter in high school, repaired my fishing boat at 18,000KES, bought a cow at 12,000KES. Am still having 5,000KES in my Mpesa account."

"The happiest part of my day is in the morning when I am milking our family cow and I know that there's going to be some milk for my family. "

"I am planning to spend my transfer on buying wire mesh and poles using the first transfer so that I can fence my compound, I will spend part of the transfer on building a kitchen and a toilet. The final transfer I will spend on paying school fees for my child who is in secondary school and part of it I will use it to buy two cows that I can keep on my farm."

"l spend the whole a mount to buy dairy-cow at 50000 kshs."

"I paid secondary school fees for my children with 24000 KES of my first lumpsum payment, I spent 15000 KES on a cow and the remaining 11000 KES on household daily needs like food."

"I bought 20 iron sheets at 12,000KES, 6 kilograms of nails at 2,320KES, roofing poles at 2,860KES, paid 15,000KES school fee for my five children, bought a cow at 15,000KES, paid 1,500KES transportation fee."

"I used 24350 to expand my house, bought a cow (15000), a mattress (4200), a sack of maize (2800), cushions (3000)"