"I am a small farmer relying on my five chicken to earn a source of income through the sale of eggs. For a long time, I have desired to build a second house to accommodate my husband and I, including 2 of our children separately. The income I get from my chicken only takes care of small household needs with nothing to save. Since I cannot sleep in the same roof with my husband and grown up daughter, she goes over to my neighbor's house to sleep. This is a big worry for me knowing the risks my girl is exposed to every night trekking the village, problems I would have solved if I had money to build another house."

"I spent most of my second transfer on Purchasing livestock this include 2cows,2goats 2chicken which cost my approximately $320. In addition, I bought Seed and fertilizer so as to improve my crop farming. This because previously, I used poor seed quality without fertilizer because did not have money to purchase quality seed. I was always getting low harvest from my farm something that has led to food insecurity in my family."

"I am happiest whenever I can eat a nice meal like chicken"

"I am happiest whenever we can afford a nice meal such as rice and chicken"

"I spent part of my first transfer in buying some bedding which includes a new bed and a mattress. This was to replace the old traditional bed that I have been using all along, which I was not sleeping comfortably. I later bought several iron sheets to renovate my house which had a leaky roof. Also, I bought four goats as living assets to depend on in case of any emergency. Also, I gave my grandson KES 2000 of my transfer to boost his business of selling friend and roasted chicken in town. Also, I cleared school fees arrears for my grandchild so that they can study without being bothered. With the remaing amount of money, I bought enough food for my family"

"My life is different than how it would have been had I never received the transfer. Before receiving the transfers, I owned an heifer. This is a different case now as I am a proud owner of a dairy cow, some goats and chicken in addition to the heifer. These are assets that I can easily depend on in case of an emergency. Also, owning these assets has enabled me to no longer overwork myself as my daily expenditure has reduced since I do not buy milk anymore like before."

"After receiving our first transfer, I spent a bigger part on livestock. I obtained four Dorper sheep, and three goats which saw us part with 37000 KES, and also purchased layer chickens with the other 12000 KES. With the remaining amount, all my 7 children needed at least a pair of new outfits each, and we had to visit the nearest market where we could find some at a cheaper cost. We also added the foodstuff and installed a solar lighting system with the small remaining amount at a hire purchase. It has been a busy period in our household ensuring that we account for every coin we received. We appreciate that we made to bring in livestock which immediately cut the cost of milk which we used to buy and also the eggs collected from the already mature chickens have been sorting most of the household bills and we are looking forward to starting a savings plan as we are soon paying school fees for my children."

"With the 33,000KES of the whole amount I had received, I spent on purchasing livestock. I decided to obtain a cow, two Dorper breeds of sheep, and also layer chickens. I paid school fees with the other 10,000KES for my son who is currently in secondary school and purchased household goods with the remaining amount. Having done all that, it was a relief to me having been planning and hoping that we will be producing milk and other products from our own livestock soon. This is an investment we are looking forward to giving us some proceeds from the products and making it easier for us to settle all household bills and school fees for my children."

"This means a lot to me. I will buy livestocks such as goats and chickens. The money will also help me to buy iron sheets and build a nice house. I also plan to buy enough bags of maize. I will invest the remaining amount in agriculture. This coming growing season, I want to increase maize production and I will buy farm inputs using the transfer in readiness of the growing season."

"I am happiest whenever we can afford a nice good meal such as rice and chicken"