"I have always had the desire to be self employed because right now, I do casual jobs. I take care of other people's cattle and this means that I have to be far from my family for some time and also the amount of money that I earn is less. I plan that with this transfers, I will set up a shop at the nearby centre so that I can get some money to support my family and also save. I will also use the money that I will get to pay school fees for my brother who is in secondary school because I am his guardian."

"The biggest hardship I have ever faced is lack of money.I am a house wife and the little earnings my husband gets is not enough for all our basic needs.Due to this I have been struggling to pay school fees and sometimes my children miss exams because they are sent.This pains me a lot."

"The biggest hardship I have ever faced is financial constraints. As a widower and having no one to depend on and since production from the farm has be so little due to less rainfall, I have been struggling to pay school fees for my children. Sometime, my children stay home and miss lessons for being sent out if school. Something that makes me sad."

"I am a widow with a family of six children. One of these children is currently in college studying electrical engineering. He depends on me to meet his educational costs. It has not been easy educating this child because I have been depending on his elder brothers to meet his academic costs. However, this is not possible at the moment because they lost their jobs as a result of covid 19. I am now forced to engage in charcoal burning business to raise his school fees and other academic costs. This business is not reliable and earns me less than 2000 KES a month, which is not enough to sustain my needs. I intend to use the first cash transfers to clear college fee balances for my child. I will use the second transfer to but a bed and a mattress that will cost 20000 KES. I will also use the remaining amount to buy food and three goats as an investment for my future."

"Receiving this money means getting a new house. I am a widow with a family of nine children. I returned home after the death of my spouse nine years ago. When I came back, my father built a small single room house that currently is not spacious enough to accommodate me and the children. Most of the time, they are forced to borrow shelter from their uncles after supper which brings shame to me due to the stigma that I face as a returnee. I depend on charcoal burning business to make ends meet for my children. This business earns me less than 2000 KES a month which is not sufficient to cater for the basic needs like food, shelter and basic education. I intend to use the first cash transfer to build a two bedroom house that will cost 50000 KES. I will then use the second cash transfer to pay school fees for my children."

"Inadequacy of capital to start and run a business of my own has been the biggest hardship I have faced in life. My dream was to run an agro vet in a nearby town and live a decent life. The dream has never materialized due to a lack of enough capital. The business is capital intensive which requires approximately KES 500,000. Because I am a veterinary person, my estimated income is KES 15,000 a month. The cash is hardly enough to save and start a business because I have other recurrent expenses which include school fees for my 3 school going children. Lack of enough capital has been the greatest stumbling block in my life in leading a successful life."

"My daughter end of the year academic report got me happy and put a smile on my face, I was happy because after struggling to get money for her school fees and my efforts and money were not wasted that got me happy and encourage to do more for her."

"I spent 10000 KES to pay school fees for my children 10,000 since I wanted to clear the debt so that my son can be given his certificates which will enable him to apply for a job easily. I also bought chicken worth 2000 KES because this will ensure a continues flow of cash when I sell the eggs hence avoiding begging of cash from my children. I used the rest of the transfers to stock dry foods stuffs such as maize for future use to protect from incoming drought since this land is not fertile."

"My life is now different since I feel fulfilled with what I have achieved with this transfers. They have made me a courageous woman among my village members unlike before poverty had made me fear even talking since every time I try people thought I want to beg for something and many ran away from me. My future is bright, no more stress in my life and my children are going to school comfortably unlike before they spent half of school calendar on the road because of lack of school fees."

"I spent my transfer in buying a cow and some goats because I didn't have any of it. This animals will help in income generation when I start selling the milk from them. They will support my family nutritiously since they will have enough milk to drink and it will enable me save the cash I used to buy it with.. I will also sell their offsprings later when need like school fees arises for my children."