"The biggest hardship I am facing is raising school fees for my child in Secondary school.The only source of income that feeds,clothes and pays fees is my motorcycle which sometimes I make very little money.It becomes difficult to use this to meet all the household expenses" (Occupation: Motorcycle or bicycle taxi)

"I spent my third transfer in purchasing a cow and a goat because I believe they were going to add value in future and help me financially.My husband has a motorbike for taxi business so we used part my third transfer in repairing it because it is the only source of income and livelihood in my family." (Occupation: Motorcycle or bicycle taxi)

"Starting up farming business is an achievement am proudest of in my life. I do plant maize and beans annually and the returns I get has been of great help to me and my family. This is where I get money for my table banking groups. I don't depend on my husband's income and this makes me feel empowered as a woman." (Occupation: Motorcycle or bicycle taxi)

"The achievement that am proud of in my life is when i was employed by my friend as motorcyclist this has assit me to education my wife who is in college now and also to provide up keep of my son." (Occupation: Motorcycle or bicycle taxi)

"I spent my third transfer on purchasing building materials like sand, cement, windows, doors and window panes which I used in renovating my house which had a weak door with no windows. I also bought uniforms for my two children who had old ones and paid school their school fees." (Occupation: Motorcycle or bicycle taxi)

"I bought a motor bike for my husband worth 95,000 KES though he added more money because my third transfer was less than the money we required.My husband used to hire motor bike at a fee but it was very stressing because at the end of the day he could get so little from it.I am very happy we have our own motor bike and it give us a good return daily that can support our family financially." (Occupation: Motorcycle or bicycle taxi)

"I used the last transfer to build a new house in addition to buying a new set of chairs and buying food." (Occupation: Motorcycle or bicycle taxi)

"I used to live in Kokwon village until 7 years ago when i bought the piece of land i live in now,built and moved with my family.Buying this piece of land is the achievement I am proudest of" (Occupation: Motorcycle or bicycle taxi)

"The achievement i am proudest of is my decision to plant vegetables, sweet potatoes and maize in my farm. I am happy because my family never lacks food since the food we need is always in the farm." (Occupation: Motorcycle or bicycle taxi)

"I spent my third transfer on buying three goats and an ox which have kept as my assests since I am planning to sell after a period of time and use the money to buy building materials for constructing my homestead. Part of the transfer I saved." (Occupation: Motorcycle or bicycle taxi)