"Seeing my children through school and securing a better future has always been my drem. Because of this, I have always had to deny myself some things like buying a new pair of cloth so that I can be able to pay their school fees. My son had to repeat class eight last year despite him passing well in his final examinations as I did not have money for him to join high school by then. I am glad since the transfers enabled me to pay for his fee this year and that of his siblings. Due to this, I now sleep well as I do not have to worry about their fees for this year anymore."

"I operate a business in our village where I sell all household provisions. Before receiving the transfer, this business was not doing well as I had been spending my profits to pay school fees for my children without buying more stock. I am glad that I was able to restock it using my transfer and due to this, I am optimistic that my children will no longer be sent back home as I am planning to be using part of the profits to pay school fees for my children while I use the remaining amount to restock the shop. Having been able to restock my shop before it collapsed has made my life different than how it would have been had I not received the transfer."

"I spent KES 35000 to purchase a dairy cow since I have been buying milk and I have been spending KES 50 daily on them. It is almost calving and I will earn money through the sale of milk after setting aside a litre or two for our consumption. I usually buy and sell fruits at our nearest market. On a good day, I make KES 300 and sometimes KES 200. Due to this, I spent KES 5000 to expand this business by turning it into a grocery. With this, I am hopeful that I will make good returns. In addition to this, I spent KES 6000 to pay school fees for my daughter who had been sent back home to collect fee arrears and spent the remaining KES 7000 on food and other household necessities."

"Receiving this money means food security for me. I have a 4 acre piece of land. I only farm on 1 acre where I approximately get 180 kg of maize. With a family of 3 children and a husband,the 180 kgs only last for 2 months. I do land preparation by hand which makes it impossible to farm on all the four acres. I am planning to buy 2 bulls at KES 15,000 each and an ox drawn plough of KES 10,000. These bulls will help me in land preparation. I will now be able to do farming in all the four acres. This will translate to more produce that will last us for around 8 months. I will then buy 2 cows at a total of KES 30,000 for livestock production. For the rest of the money, I will use it to pay school fees for my son who is supposed to join secondary school."

"Receiving this money means a spacious house to my family. I am living in a small house together with my three children. I am planning to spend Kshs.40,000 to build a two-bedroom house that will be enough for my household. I will also use Ksh.15,000 to pay school fees for my children. I will use a portion of the second transfer to buy two indigenous cows at Ksh.30,000 to produce milk for my own consumption. The remaining amount will help me cater to other basic needs such as food and medical expenses."

"Receiving this money means I will buy 8 goats for my family as wealth .The goats will cost me 40,000 shillings. I will pay 24,000 shillings for my children's school fees, the rest amount I will sit with my husband to see what kind of business I can open in order to have a source or earning for the family."

"Receiving this money means I will complete my house .My house has no roof on one side! I have to complete roofing my house . I will spend 30,000 shillings to finish my house, spend 20,000 shillings to start a retail shop business here in my house and pay my children's school fees which I have fee balance of 27,000 shillings and clear next terms fees. I have never slept on a mattress bed since I was born- I am planning to buy the first mattress bed in my life."

"Receiving this money means education for my children. My two daughters are in school and given the financial constraints my family has been under, I have been unable to pay their school fees. I only pay the school fees after long struggles burning and selling charcoal. I am planning to use KES 60,000 to pay for my daughters school fees. This will cover their whole year and will further assure them of enough study time in school. I will use the balance to by one pair of ox-plough for subsistence farming. Neighbors can also hire my ox-plough meaning I will be able to generate some income. This is what I have always desired to do."

"I am an old woman who did not get a chance to go to school but I understand that education is the key to success. Receiving this money means education to my grandchildren who are in secondary school. I intend to spend 60,000 shillings to clear all the fees arrears so that they can not be sent home to collect school fees. I believe that they will pass with flying colors and support me in the future. I will spend the remaining to practice livestock farming which will be a source of income for my family and purchase modern beddings because currently, I am using the local ones made from ropes which are uncomfortable."

"The biggest hardship I face is unemployment. I currently work as a casual labourer in house construction. The job is not guaranteed and some months I have to resort back to subsistence farming to support my family. When I get a temporary contract I get paid KES 700 on the days I'm able to work yet wife and children depend on that money for food, school fees and other needs."