"I have a plot at our nearest town that I have for a long time wished to construct a 3 roomed rental house on it but due to financial crisis, this has never been possible. Receiving this money means realizing my dream because I intend to spend a better portion (40000 KES) of the first transfer to ensure the house is completed. This is possible since I plan to construct the superstructure by myself. From this house, I expect to earn 9000 KES per month, which will be my reliable source of income. The remaining amount will help me to pay school fees for my siblings because as of now, I have been struggling so much since I depend on charcoal vending as the source of income for our needs."

"Receiving this money means improved living standard to my family. I plan to achieve this by spending 45000 KES to buy two indigenous cows and four goats.Once they multiply I will sell at a profit to cater for my basic needs.I will also spend some of the transfer to construct a separate house for my two boys whom we are sharing a single room. The remaining amount will help me cater for other needs such as school fees and uniforms."

"I normally do not plant hybrid maize nor use fertilizers due to lack of finances and this usually leads to low yield. This case is different this year since apart from using a tractor for land preparation purposes, I bought quality hybrid seeds and used fertilizers. Due to this, I am optimistic of a good harvest that will last my family till the next harvesting season after selling some in order to get money to use in paying school fees for my children. Because of this, my heart has been at peace and I am able to concentrate on doing some casual jobs in the neighborhood so as to get money to use in buying daily basic needs for my family."

"I have been struggling to pay school fees for my son at Eldoret polytechnic college, this money will help me clear fee arrears of KES 30000, also my house is not yet complete, and I will set KES 20000 to complete. Over time I have been thinking of adding another cow but what we earn from our casual job is not enough to help us add one, this money will enable me to buy another cow at KES 30000. I will use the remaining KES 20000 to buy food and clothing for my household."

"My grand children are many so theirs tuitions are high moreover, eating is everyday business so we need food. Hunger and High school fees are my challenges now."

"I have a land in Buchanan City, Grand Bassa County, i want to build a house there and i also want to pay my children school fees."

"I am a mother of 6, one of whom is at the secondary school level. All this huge family depends on the remittance my husband (who works as a pump attendant earning a paltry 15KES) sends monthly for upkeep. Having taken my daughter to school was not easy. My husband had to take a loan to facilitate her enrollment and continuous stay in school. The loan servicing has affected my husband's ability to support us on food and other basic needs. The transfers will help me off-shoulder my husband, the responsibility of our monthly upkeep, as he focuses on loan repayment and my daughter's final year's school fees."

"The major challenge for me, is mainly my school fees, and agriculture program. Because everything I do with my agriculture program, I have to pay people for their services."

"The biggest difference in my daily life is that I am currently living a happy parent after accomplishing the desire of supporting my children's educational needs. With 5 children in school, funding their education was a tough task for me. This is because I am jobless and my husband is a coconut wine tapper an activity that earns him KES 150 per day which was not enough even to feed the family. Previously, my children were always out of school due to school fees something that eat away the joy of my life."

"I'm currently living a poor life, I can't barely afford for my family, my kids school fees need to be pay, mostly no good shelter for my family."