"My husband is a casual labourer and he at times has to hire tools and equipment for his work to continue. I bought for him some tolls and equipment so that he can save on the hiring fees. My house has not been in good state so I have purchased some building materials that I want to use to repair both my house and my grand father's we are only waiting for rains so that we can get water for the work.My children were sleeping down on a mat,I was able to buy a double bed and a mattress and now they are sleeping well and cannot be infected with diseases. I was pregnant at the time I got this transter and really helped me to settle hospital bills when I delivered, I don't know what I could have done had it not been for the transfer.I eat well and I am also able to boost my business which will help my entire family."

"I used 15,000 KES to boost my business which was almost closing down due to the high needs in the family,I used 20,000 KES for school fees for my child who is to joining form One. Initially I was worried on what next to do with my child after class eight because I didn't know where I could get money to pay for his school fees.I also used 10,000 KES to buy soil which I will use to repair my house. I am longing to have a good house just like the others have in the community.The rest of the money I used in buying food stuff for the family. I know with all these my future looks brighter." (Occupation: Small business)

"The biggest difference is that I don't need to worry whenever it wants to rain and I feel comfortable in my house" (Occupation: Small business)

"" My health has improved because my high blood pressure caused by stress and lack of finances to do a few things has gone away"" (Occupation: Small business)

"The biggest difference is that I live a positive life now because I was able to start a small business with the first transfer. This means that I have some daily income. My future is also bright because I know I am going to construct a permanent house and own livestock, hence improving my standard of living."

"I have paid school fees for my two children this term am feeling relieved knowing they are learning in school. I have also bought iron sheets which I will use to construct a new house. I also used part of it to start a small business which gives me some daily income."

"I felt happy." (Occupation: Small business)

"I used most of my lumpsum to buy building materials and construct my own home. My husband died and left me in his simba, in his mother's home and it was really difficult to do any project in her home because of the Luo customs. Now that I own my own place, I can start and run my businesses without any restrictions. I used the remainder of my transfer to pay School fees for my daughters. I don't want them to be chased away from school. I want them to go to school everyday and become teachers."

"I felt so happy being that I was very needy at that time." (Occupation: Small business)

"I was first scared to have received such a big amount of money " (Occupation: Small business)