"I spent 15,000 KES on cementing my house. I bought 2 cows at 16,000 KES and cushions at 3,000 KES. I fenced my compound at 5,000 KES. I constructed a latrine at 2,000 KES. I paid 5,000 KES school fees. I also bought chicken at 2,000 KES and a sack of maize at 2,00O KES."

"I bought a solar and a wet cell at 12,000 KES, a cow at 15,000 KES and two sacks of maize at 6,000 KES. I invested in fishing nets at a cost of 10,000 KES. I saved the rest of the money for building a house."

"I want to build a permanent toilet, I also want to cement the floor and walls of my house finally I want to buy a cow. "

"I bought 2 sheep and a cow at 20,000 KES. I paid my children's 20,000 KES school fees. I spent the remaining 10,000 KES on a mattress, food and other consumables."

"The achievement that I am proudest of is that I was able to buy a cow and a bed using cash that I got from our village saving and lending scheme called SILK as in the past I did not have a cow and I slept on the floor. "

"I spent my first lumpsum transfer on buying a cow.I also bought a set of chairs,windows and utensils."

"The biggest hardship that I face right now is lack of cows to help me when I am ploughing my farm. Most of my cattle died last year and because I am now tilling my farm using manual labour, which is not efficient, a large part of my farm will lie fallow."

"I spent my first lumpsum transfer on buying a cow.I also ploughed and started a query business."

"I am planning to cement the whole of my main house and spend the rest of my lumpsum payment on buying some cows."

"I am planning to enroll to a driving school and buy a cow using my upcoming lumpsum payment."