"I have new goals now because I managed to buy four cows using the transfers so this means I will be looking forward to running a milk business as a new source of income for my family." (Occupation: Motorcycle or bicycle taxi)

"I am challenge with finance. The work I do is a mechanic job, and this job doesn't really generate enough to pay rent, feed the family and save.In Liberia job is really difficult in getting,especially a good pay job.I have spend 15 years in this work;but most of these years I was learning. Since I got on my own,things are more difficult than I thought it was.I do the work ,but I am pay less. The money can't buy a land and then start a building project, but by the help of this money; I am certain that I will make a good start and in time to come there will be no more renting. I buy a land of my own." (Occupation: Motorcycle or bicycle taxi)

"My main goal is to buy a motorcycle to run it as a business, I believe that motorcycle business is a fast money raising business in this town and by that, I know that I can achieve so many things. I have also planned to build a house in this town, I have started the process already, I just need to do my best to finish it."

"I was attending the neezium public years ago. I got pregnant and drop out of school, since then I don't have anyone to pay my school fees. Now that I have a spouse and a daughter, I don't have any means of saving money to go back to school. The challenge I face right now is financial problem." (Occupation: Motorcycle or bicycle taxi)

"My goal was to open a local groceries shop which I have already achieved. I'm now looking forward to expanding it." (Occupation: Motorcycle or bicycle taxi)

"I am a single father of two. A form one and a class seven pupil. Whenever the schools open, they go to their aunt's place in Bangladesh, Mombasa town and when they close, they come back home. I am the one who supports them financially. Currently, they have school fee arrears of ksh7800. This was after I reduced it by ksh1150 that I had received as my first transfer. I had some money I had saved up so I reduced the arrears to ksh4000. So, when I received my second transfer, I saved it all to the Chama I am in. I joined it because I need some funding to buy a motorcycle. For three weeks now, I have been at home. This is because my Tuk-tuk got damaged and I took it to the garage for repair. It has not yet been repaired since I do not have ksh5000 to pay for the service. So now I only depend on the Chama for my financial support."

"I have a young family with only one child who will be turning three in April. I already so have three siblings who depend on me financially.  So often, I would support myself through my mother from the earnings I get in my wine brewing and motorcycle business. On a daily basis, I normally make around ksh200. The funds I received from give directly have also boosted my finances and now I can do more with so much ease. For instance, in my first transfer, I bought a goat worth ksh1500, and the remaining amount, I substituted to what I have to buy a bed that cost me ksh4600. Then my second transfer I bought a 4x6 mattress that costs ksh3700. The ksh700 was from my earnings."

(Occupation: Motorcycle or bicycle taxi)

"Receiving this money means improved business. I am a business person selling second-hand clothes during market days around my village. During the rainy season, it is a challenge because I do not have a shade and my clothes are rained on and since the motorcycle is my means of transport this has exposed me to communicable diseases like flu. So when I get this transfer I will use it to rent a shop where I will be using it to sell them. This will reduce transport costs and chances of getting flu."

(Occupation: Motorcycle or bicycle taxi)