"I spent my transfer to purchase building materials including timber, iron sheets, building pole and nails. Furthermore, I set aside KES 5,000 for payment of labour costs. This was for expanding my house by constructing an addition room since it was very small to fully accommodate the 5 grandchildren and I. Also, I bought one 90kg bag of maize for KES 6,000 and other foodstuffs since we did not have enough food in the house. Lastly, I spent KES11,000 to purchase two goats and 4 chicken this was a longterm investment for the family that would support us in case of any financial emergency in the future."

"At the time I received the transfer, we were going through a hard time as a family as far as food is concerned. We had not harvested anything from the last two planting seasons thus hunger was at the brim. Based on that, I bought a sack of maize for KES 6350.00 on the withdrawal day. Thereafter, I went back to my plans which I set earlier on how I was going to spend the money to curb the prolonged hunger. I used KES 30000.00 to construct a poultry house where I keep chicken for sale. Being a farmer by passion, I chose to keep chicken because crop farming has not been doing well nowadays due to unstable rainfall, and doing irrigation is very expensive compared to poultry farming. I also bought four goats for KES 16500.00. These goats act as a quick investment. Once I am stuck, I can sell a goat at a profit because they have ready markets. For the remaining amount, I bought some food for my family."

"The biggest difference in my daily life is that I now have livestock ( goats and chicken) that I am rearing in my compound. It has been my daily prayer to own either of them but I couldn't afford them because they were relatively costly. I, therefore, settled for them because goats, reproduce and mature very fast. In the few months to come, I am optimistic that I will have many of them. They will be of help specifically in paying fees for my six children who are in primary schools. Currently, my spouse is the breadwinner and has been depending on meagre jobs. My children were therefore always at home because of the fees arrears. Having these assets is an assurance that my children will study comfortably without any hindrance. Apart from that, whenever I will be experiencing any financial constraints, I will be able to sell one or two and settle the problem."

"I bought zinc with other building materials for the construction of my new house and bought pig tail bone, chicken feet etc for business."

"Putting up a poultry project is the biggest difference in my daily life since I started receiving the money. My spouse lost his job and since then it has been tough on our household considering that he is the sole breadwinner. The chickens have laid, and we get a weekly income of almost KES 1000 from eggs sales. This added to the money we had set aside keep us going."

"There was a family shop lying vacant at home. I operated someone's motorcycle who paid me on commission daily. The business is flooded and the highest amount I could make was KES 300 daily. With the current rise in the price of commodities, I could save any money. The receipt of the money motivated me to start up something for myself hence I stocked the shop that had stayed vacant for quite some time with food products, detergents, utensils, and other daily used household commodities at KES 25000. The business has grown, and I am making good profits from it. KES 25000 I spent on both constructing a poultry house and purchasing 12 chickens for rearing. I also bought two chairs at 3600 and used KES 1000 to purchase some foodstuffs for the family."

"It is barely two years since we got married, and we have not achieved much. We had been staying in the single hut that acted as a kitchen too. We felt it was too squeezed after having our firstborn. We then agreed to construct a bigger house at KES 25000 which included the cost of building materials and labor charges. KES 1000 we used to pay for a solar lump subscription which was to end in 30 minutes time from the time I received the first transfer. Since my spouse did not have any source of income, I bought her ten chickens at KES 5000 so that she can start up a poultry project. We are using the previous house for rearing the chicken. Since we are just starting up a family, we lacked most of the households which include utensils, bedding, and clothes. I, therefore, spent the remaining KES 13000 to purchase the households."

"I received my first when I had just been blessed with a newborn son. I had spent all the money I had on medical expenses and I could not afford to do a shopping for my baby. When I got my Ksh.1200, I did enough shopping on new clothes for the baby. When the second transfer came, I chose to invest it in buying livestock which include a sheep at Ksh. 2500 and the remaining Ksh. 550 on buying two chickens. These are my living assets which I can rely on to settle my future financial needs. My expectation is that they will reproduce and increase in number. I can readily sell the offspring in case a dire financial need arises."

"I spent KES 20000 of my first transfer on paying school fees for my two children in primary boarding school. Their exams were around the corner and I was so worried that there might end up missing it since there was a huge arrear. I also managed to purchase chickens, wire mesh and iron sheets and timber. I had intended to start poultry farming which I believe will do perfectly well. In addition to that, I started commercial farming whereby I will be planting maize and supplying them in different zones. I finally bought food for my six family members and cleared all the pending bills."

"The biggest difference in my daily is that I was able to revive the poultry farming that I used to operate some years back. This business used to be of help to me because I used to supply eggs and broilers all over the town centre whereby I generated good income. During those days, I couldn't strain in meeting my family's needs at all. However, it reached a point whereby was forced to sell all the chicken because of the emergency that I had. Ever since life has never been the same again. I have been encountering so many challenges like the issue of food security and paying fees for my two children among others. Having revived this project has therefore project so much joy and hope in my life because I am certain soon I will start supplying the products and earn a living."