"I have a number of students in various schools.Raising school fees has been one of hardest challenge . Nearly three quarter of the money I get from the economic activities I engaged myself in goes towards paying school fees. Mark you we have other commitments to take care of .It makes us inadequate and a real struggle for me and my family."

"I am a school based student at Kisii university. I study a degree course in education . We have been struggling to pay for school fees because Iam a self sponsored student ,my husband has been working around the clock to look for school fees . We were forced to sell 0.5 acres of land to clear 2nd year fees. University education is very expensive , we recently hold a fundraiser to cater for the same which enabled me to clear the last academic year fees. Iam currently in fourth year and a total fees of USD 1030 is required. This help could not have come at a better time because Iam assured of clearing the fees and actualize my dream of being a substantive teacher."

"Receiving this money means better Education for my children. Am an elderly woman with two children in secondary school, paying fees as been a challenge for me since I only depend on farming and recently lack of enough Rains has affected production hence no income. I will spend ksh 50,000 on paying school fees and clearing remaining fee balance. The remaining amount I will buy a Dairy cow Worth ksh 30,000, foodstuffs and furniture for my house."

"Receiving this money means increased food production for me because I plan to invest 250 USD in buying two ploughing oxen. With the oxen I will use 2 days to plough almost 2 acres of land which would have otherwise taken more than a week. Other than ploughing my land, I will make extra cash from ploughing other people's land. The remaining part of the first transfer will help me sort out school fees arrears for my two children and pay for the next term of their studies."

"Satisfying the needs for my family of 9 children is what has been my biggest hardship. This is because I depend on selling charcoal which earns me as little as 4 USD a day. I have struggled financially moreso in buying food and paying school fees for my children. I have tried to supplement my income with farming but persistent drought has been a hindrance."

"My dream has been to see my children excel in their education. We have experienced prolonged drought in my region and due to this, one cannot depend on crop farming as a main source of livelihood. My small piece of land cannot also allow me depend on crop farming. Buying milk and maize all year round leaves one financially drained and I do not want this to be my case as I want to see my children study up to the levels they wish. My transfers came in handy as it enabled me to purchase two heifers. When they reproduce, I will be selling milk and use part of the income to pay school fees for my children and to buy food for the family. I am grateful and can proudly say that my daily life has changed since I now live knowing that I will be able to achieve my dream without much struggle."

"Receiving this money means improved living standards in my household. I plan to achieve this by spending Kshs.20,000 to renovate my house. I will spend Ksh.18,000 to buy six goats at Ksh 3,000. I will also use part of the transfers to pay school fees for my two grandchildren who are in forms four and three. The remaining amount will help me to buy food."

"Receiving this money means decent housing and good education for my kids. I have 5 school going children. One is in secondary school and the other four in primary school. Paying their school fees is a very big challenge for me. I will use the whole of the first transfer to clear all the school fee arrears. I will then use 20,000 shillings of the second transfer to repair my house. My house is very weak, and considered the strong winds in this area, there is a chance my house will fall. Finally, I will use 30,000 Kenyan shillings to buy two cows and an ox drawn plough. I will use the cows to cultivate my land and cultivate for other people thus earning an income."

"I have desired to invest in livestock because this is the only way I can save my money to earn a profit when they multiply. I, therefore, I intend to start with 10 goats that will cost me $300 of my first transfer. The remaining amount of my first transfer helps me to cater for food expenses and other household needs. $ 400-second transfer will help me to pay the school fees of my children at secondary school and the remaining amount I will use it to boost my small business of selling chapatis and vegetables ."

"Receiving this money means a reliable source of income for my household. I am an unskilled person and get a good job to sustain my family of 9 is a challenge to me. I am a rubber rapper the job is tiresome and getting a willing buyer to purchase my product is another problem for me. I have been struggling to feed my family. I am planning to spend $400 on my first transfer to start a grocery and this I am assured of getting an estimated profit of $5 per day. The remaining amount of my first transfer will help me to pay school fees for my children. With the second my second transfer will help buy 10 goats that will act as a long-term investment project to my family. The remaining amount I will use it to cater for other basic needs of my family like buying food."