"The biggest difference in my daily life is that I am now a proud owner of two dairy cows. I will achieve most of my goals from the dairy cows, first I will be getting milk for my children and sell the remaining few liters to the local markets and to my neighbors as well. initially, it was so difficult for me to take milk since it was costly and very rare to get them since there were few people owning to dairy cows in my village because of poverty. To add to that, the money that I will be getting from the sale of milk will boost my standards of living because I am planning to start a business from the sale of the milk. This will be my additional income making me wealthier within a short period of time since both of these businesses are so lucrative."

"Right now things have changed most of the things we never had I now have. I have goats and a small rice business outside my house that helps in providing food everyday."

"Now I have a good sleeping place and food . I will soon have a good house and will be sleeping peacefully at night" (Occupation: Small business)

"I was operating a food kiosk which was not doing well because I had used all my savings for medication for my husband. He passed on and I depleted my savings to cover for the funeral expenses. It was hard to revive my food kiosk since I was left with nothing. However, I am at peace now because my food kiosk is back to life after receiving the transfer. I bought adequate stock to operate with, and I am getting a good income which helps me to take care of my family's basic needs like food. Reviving my food kiosk is the biggest difference in my daily life." (Occupation: Small business)

"I spent KES 20000 of my first transfer on buying a cow which I am currently keeping in my homestead. This is an asset to me which I can rely on in case of a financial need. I am expecting it to reproduce and increase in number. I will sell the offsprings to raise money in case of a financial need. In addition to this, I also had three of my children in high school who were at home due to fee arrears. I had not paid for them because the little money from my charcoal burning business went to food alone. I thus spent KES 24000 to clear the fee arrears and they were allowed to continue with learning. I spent the remaining amount on buying foodstuffs and a mattress to replace the old beddings I have been using."

"The biggest difference in my daily life is that I invested my transfer in a shop business which is now a source of income to me. I opened the shop and stocked it with different kinds of products. I am expecting to get some good returns from this shop. The income from the shop will greatly supplement my family's basic needs such daily foodstuffs as well as paying fees for my children."

"If I did not receive this money I would have been very sad for a long time because I would have been comparing my house with other people." (Occupation: Small business)

"My life would have been terrible if not for the transfer. I lost my house and other household items in 2018 due to floods since then, I have never been at peace. I tried working as a house girl in the city even doing a business but nothing gave me enough money to construct a house. The has helped me to have a nice and we'll structured house that I couldn't manage but only dreamed of. I now have an iron sheet roofed house. Thanks alot to GD for the cash gift." (Occupation: Small business)

"i have spent the transfer on clothes,2 goats,plan to build a house and food" (Occupation: Small business)

"there could have been miserable as on my own i could not have been able to improve our hose since i did not have the money and also the money to buy food was also a problem but now this is a thing of the past as i have acquired plenty bags of maize for my family" (Occupation: Small business)