"I had a well-paying job after I completed my degree. I maximized it and made sure that I educated my children well. In the year 2017, I resigned to take care of my youngest child who had a chronic illness. I spend the much I had from my pension on his medication and daily household needs. It was unfortunate that he succumbed to it. I felt bad losing him and being jobless. I ventured into dairy farming to make ends meet. I am thankful that it has picked up and is doing well enough to cater to my needs. This cash means a boost for my farm. I am planning to spend the entire transfer to buy a pure breed of the dairy cow. This is my retirement plan thus having my farm produce a higher liter of milk means I will enjoy my old age. I will use the income to meet household needs and settle any financial crisis arising."

"As a widow, I have faced so many tribulations of raising the family on my own. The situation turned from better to worse in 2013 when my husband passed on. To date, I still struggle a lot to fend for my family, at some point I was forced to borrow a dairy cow from a relative just to be able to get some milk for consumption. Not owning a dairy cow on your own is something that is frowned upon in our culture, I am so ashamed when I am reminded of it and the thought of it being taken back by the owner pains me a lot.My family and I have always intended to do something about this situation but lack of finances have weighed us down.This help could not have come at a better time than this, I intend to use KES 40000 to buy a dairy cow and safe face from the humiliation of not owning one."

"I work casually as a bus driver which earns me about KES 250 daily. This has thrown a spanner in the works now that this money is not sustainable for me. I can neither save nor invest. When I receive this money I will set KES 45,000 to build a two-roomed iron sheet house. To guarantee my self of future cash flow, I will consider buying a dairy cow with KES 40,000 to enable me to tap income through the sale of milk. I will be happy to see my dreams coming through. The remaining money will help me renew my driving license"

"We are lucky that my husband and I are in permanent jobs. I capitalize my income on my children's education and I am happy that the two eldest just completed their secondary school. As a way of enhancing our income, I have always had a dream that I invest in dairy farming. Even though milk has a poor price of KES 35 a liter, I find a better option in my community. I had built a cowshed but I could not complete it after I ran short of resources. Receiving this money to me means a complete cow shed. This is a hope that my project can now take off. I will use the all amount to complete this cow shed thus I will be in a position to bring good cows. In the near future, I will have an extra income from milk sales to help me meet my household needs and children's education."

"Receiving this transfer will boost me in two major ways. First, all along I have ever wanted to either renovate or build a new kitchen. Secondly as my old age dictates, I usually prefer cattle keeping over crop farming and thus my wish to add 1 dairy cow to the 4 I currently own. I am grateful and happy because I have greater hopes for receiving the transfer and my desires will be accomplished."

"We are people of very little means faced with many challenges. We were evicted in Mau Narok sometime in 2010 when it was established that we had crossed over the cutline and encroached into the Mau forest. We sold the only 2 cows we had to buy the land we occupy at the moment, just 0.2 acres at KES 45000. We remained with nothing else even to build a house and as a result, we simply constructed a makeshift house. It is for this reason that we have always wanted to build a better house for occupation but we have no money, mark you we are blessed with 5 children and the house we live in is so small. We are so excited that at last, our dream of having a better roof over our heads is on the verge of becoming a reality. We intend to build a 24 iron-roofed house for KES 30000 and the rest of the money to buy a dairy cow."

"Receiving this transfer will mean alot to me. I have been really in need of a dairy cow. My household use 2 litres of milk a day which costs KES 80. This daily expense is a huge burden to me bearing in mind the current tough economic situation in Kenya. I am a motorbike rider and the business is currently affected with the shortage of fuel which has caused a sharp rise in fuel prices. Lots of worries runs in mind and the future is not promising."

"My new goal is to be able to buy a dairy cow. I have one dairy cow that I bought with the first transfer and buying an additional one will ensure that we have constant supply of milk in our household and be able to meet our most immediate needs like the cost of buying food and even meet the cost of emergency needs like paying school fees for ouir children. I am a single mother of seven and relying on casual work to raise money for food and all those needs is sometimes overwhelming. Furthermore, dairy cows are an investment that will multiply over time. I am hopeful that I will be able to get money and implement this soon enough."

"Before receiving the second transfer, I had already planned how I was going to utilize it. While accomplishing my set plans for the second transfer, I developed another goal that I desire to accomplish once I get some money. I aim to buy more goats and add some chicken. I prefer goats over cows because goats are drought resistant compared to cows and also they have ready markets."

"My husband and I do not have formal jobs. I do small business together with farming as a way of livelihood. I am happy that the average amount of KES 200 a day from my business has enabled me to provide for my family. I have five children who are in secondary and primary levels of education. In recent years, I sold the last cow I had to enable my firstborn to enroll in his form four classes and examination. This left us with a big gap in our income. Receiving this cash means a restored livelihood for my family. I will spend KES 30000 to buy a dairy cow. This will be my pride and asset to rely on. I will cut the daily expenditure on milk and improve our diet through milk consumption. I will keep the offsprings as my financial security."