"My life is currently different from how it would have been had I not received the transfer in that if it was not for the money I would still be languishing in poverty. Previously it was a real challenge to afford a whole day's meal. I am glad I am currently earning daily income from the motorcycle business."

"My life is currently different from how it would have been had I not received the transfer. Previously I did not have a reliable source of income yet I had a lot of responsibilities to meet. Receiving the money enabled me to make a great step in life. I now have an additional source of income from the motorcycle that I bought with the second transfer. Besides that, I was able to purchase a piece of land where we shall construct our house. We are currently staying in our father-in-laws' grandparents home. The family is big and we are running out of space. Having my place will make me independent."

"I borrowed a cow from my employer to provide dairy products to my family. Our agreement with the owner was for me to look after the cow as I milk until calving. The duration has elapsed and very soon he is going to come for her and the calf. I will then return to buying milk for my family to use. Receiving this transfer will mean that I will be in a position to buy one dairy cattle of my own for 40,000 shillings and another additional 10,000 to purchase start-up feeds for the cattle. For the remaining amount, I intend to purchase a motorcycle to be used to transport surplus milk to the nearest market center and sometimes conduct taxi services. By doing this, I will be having a daily income of more than 300 shillings."

"Remaining as a housewife in our village equates to sleeping hungry for a few days, as one waits for the husband to provide from the casual jobs. Because of this reason, I opted for charcoal burning as my source of income. This job is very tiresome and equally low-paying, but since I have no option, I am forced to doing it to earn a living. Therefore, the lack of a decent job is the biggest hardship that I have ever faced in my life." (Occupation: Motorcycle or bicycle taxi)

"I have food in my home that will last me for months. We also have a business that will help support our home." (Occupation: Motorcycle or bicycle taxi)

"My husband owns a motorbike that he uses for taxi and we depend on him to cater for our needs. The daily returns he gets on average from this business is 250 shillings. Catering for the needs of the family right from the basic needs to education is hardly enough to sustain them using the above figure. As a result, we are forced to sell part of the animals we posses like goats to cater for their education bearing in mind two of my kids are studying in a nearby academy. Our inability to cater for all the needs of our family without selling our limited assets is the biggest hardship I have ever experienced." (Occupation: Motorcycle or bicycle taxi)

"My life is currently different from how it would have been had I not received the transfer in that my income has improved. I nolonger hire motorcycle for my business because I was able to purchase my own motorbike. I am also hopeful that soon I will construct rental houses in the piece of land that I bought within our shopping center. This will also earn me mlre income that will enable me to improve my family's living standards."

"My life has really improved in the way that I have been able to build a new house with cemented floor and I have enough food for the entire household." (Occupation: Motorcycle or bicycle taxi)

"I used the money to buy a bycicle that I now use as a means of supporting my family. I carry people on the bycicle like a taxi . I also used the money to finish building my house as I had already built it" (Occupation: Motorcycle or bicycle taxi)

"My life is now different in that I am not being rained on like it use to be while I was riding motorcycle taxi. I get to generate income through sale of products at the shop. This job is not so strainious unlike motorcycle taxi business which I would always be exhausted at the end of the day." (Occupation: Motorcycle or bicycle taxi)