"I spent my third transfer on buying an engine for 70,000 KES for a fishing boat that I had bought using my second transfer (60,000 KES). On both occasions my husband added his savings from his previous fishing activities. He was previously employed as a fisherman in Uganda, until tension developed between the two countries and he got sacked by his employer so he came back to the village. After a while he got another job as a fisherman, but earned about 1,500 KES -2,000 KES for every fishing trip which took 3 days on average, and life was hard, our children could be sent back home for lack of school fee. Consequently, when GD enrolled me, we knew exactly how we would spend the transfers and planned well. Having invested 130,000 KES, we started the fishing business in August 2018, where my husband still fishes from Uganda waters and brings a big fish haul back, which is sold immediately to specific customers who transport it to Nairobi. Just within four months, we are seeing the fruits of our investment, and have acquired a second fishing boat for 60,000 KES, and we are already saving to buy an engine for it for more efficiency and higher return. We have employed two men who support the work. Besides, we raised 5,000 with which I personally started a small scale business (I sell charcoal, cereals and fruits) which I run while my husband manages the fishing business. In a space of 3 months, I have managed to grow my working capital to 10,000 KES. Our living standard has improved, and we plan to pursue other goals in our lives, beginning with building a bigger and better house. Thank you so very much, we welcome GD staff for a ride to Uganda in our boat, and some fish to carry back to Nairobi."

"I spent my third transfer on repairing our late father's fishing boat for 7,000 KES , which my brother uses to earn his living.I spent the balance on 32 iron sheets with the intention of building a house in the near future."

"When I received my third transfer, I spent on a cow, plastered my main house with sand and cement and invested the rest in fishing lines and nets. The money not only helped me but also one of my children who got employment through the fishing business I opened-he is the manager of the business and every evening, he brings money earned that we share proportionally enabling us to meet our household needs such as buying food."

"I invested my third transfer in fishing equipment; I have been working for people in the lake shore to earn a hundred shillings a day which I considered very frustrating to me and therefore when I received my the money I bought a net and fishing lines as a result, I have become an employer. People can now work for me as I enjoy more profit from the business making close to 300 KES a day."

"I spent my third transfer on building a 3 room house since lump sum money is hard to come by in life. I took advantage since my family lived in a terribly leaking house for 4 good years and housing was always a need. It happens that I spent my second transfer in establishing a business. For 6 goods years I had been attached to a Carpentry workshop in Eldoret where I trained and thereafter worked for the owner. Things were not working out, so I moved back to the village and ventured into fishing for people for an income, but still things were not working out even after doing this for seven years. As a result, my family lived in a leaking house. I am grateful to GD for financing me for my own Carpentry Workshop with a Capital of 30,000 KES, which I decided to locate in Eldoret. I make beds, sofa sets, wardrobes, and other furniture items. My current acquisitions from the 5 month-old business is a heifer and 2 goats valued 22,000 KES, and cash savings of 15,000 KES. Besides, I have ready-made furniture items worth about 80,000 KES.I have also managed to buy clothing materials worth 3,000 KES for my wife who is a tailor but could never venture into the trade due to lack of starting capital, as much as she had the tailoring machine already. Currently she is running the tailoring business at home in the village. Thank you very Much GD."

"I spent part of my third transfer on fishing nets, but unfortunately there is not much gain currently since the fish in the Lake is depleted and we often have no catch, resulting to no income.Nevertheless, I am very grateful to GD for the financial support."

"I used my last transfer to pay school fees for my two children one in high school and another in primary so I finished paying the arrears and paid also for the remaining part of the year. Then I bought ropes and nets and leased a boat for a month to help me in fishing I have employed someone to help in fishing this transfer has changed my life because now I can afford food and provide for my family, then the remaining money I bought utensils and other household items."

"I spent my third transfer on making a boat that I use for fishing given that I am a fisherman. Previously,I used to work in other people's boats and I fear of being sent away anytime but I am glad now I have my own. I also enjoy all my profits."

"I used my third transfer pay school fees for my children and parchase a fishing boat that I hire at a fee for my daily income, I also bought food and bedding with the reaming amount."

"I spend my third transfer on building a fishing boat 34,000 KES which my husband uses to harvest fish that I sell in the nearby center /market hence making a double income .I bought a bag of maize for my family consumption and two goats .I also bought decent clothes for my children and paid school fees for my two children who are in nursery and three in primary school respectively."