"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)

"My proudest achievement was starting a shop business six years which has enables me buy a motorcycle for taxi and cows. These are great investments."

"I spent the whole of my third transfer to buy secondhand motorcycle which my spouse is using as a means of transport, to transport people from one place to another and get money for our daily basic needs."

"I spent most of the third transfer to pay labour charge as l was building my spacious house being that l had bought build materials with the second transfer. The remaining balance l spend to pay debt that l had when buying second hand motorcycle, which l am using now to do my business of transporting fish to a nearby market."

"The biggest achievement I am proudest of is when I had a bumper harvest of maize, beans and millet. I sold my produce during famine period when prizes escalated and I made good profits that enabled me to buy a motorbike." (Occupation: Motorcycle or bicycle taxi)

"The achievement I am proudest of is owning a motorcycle. I invested much in maize and beans farming and the produce was much that we sold the surplus to buy a motorcycle. It is put into a Boda Boda business where I earn Kshs. 500 a day from which I am able to pay rent and take care of my family. I am very proud of this." (Occupation: Motorcycle or bicycle taxi)

"My husband added part on his saving onto my third transfer and I bought a motorcycle which he transports goods and people for pay (bodaboda) in nearby centers for pay .This business has enabled a stable income in my household hence getting daily needs for my family has never been confortable since before the transfer my spouse mainly relied on unreliable commision casual jobs in the village."

"My biggest hardship is getting the basic needs for my family since the family is large yet my income is small and unreliable. " (Occupation: Motorcycle or bicycle taxi)

"The biggest hardship I have faced is inability to pay school fee on time due to limited income. This has led to my children sent away from school because of school fee arrears." (Occupation: Motorcycle or bicycle taxi)