"At my old age, I live by myself and I can not do much to earn income. I was afraid that in the next few years, I will have nothing to depend on and I will become a liability to other people because I did not have a better job during my early years and so I don't have pension to rely on. When I received my transfers, I invested them on buying dairy cows so that I will be able to sell milk in few years time and earn income to sustain me. I spend $150 of my second transfer to buy a dairy calf, $90 to buy two goats and I have been spending the balance on daily needs."

"I am planning to save towards opening my own local restaurant by next year. This will mean that, I will become financially independent and I will be able to pay school fees for my children and provide basic need to them without much strain as it has been. Since I was able to buy some goats with my first transfer, my wife will focus on taking care of them so that they multiply and we will be able to sell them in future and cater for other needs."

"I sell charcoal to make a living as a casual laborer. My husband is too old to work, so he completely relies on me to provide for the needs of the family. Per bag of charcoal, I only make $2. We can buy two meals a day with this money; after that, there won't be any money left over to purchase additional food. My sons, who work in Mombasa, occasionally pitch in to assist when the situation becomes intolerable. I therefore spent $10 on food after receiving my transfer. We were facing a starvation crisis because there wasn't much food left in the house and I didn't have any money to buy food. I used the remaining money to purchase a goat in addition to food. The goat's worth will rise over time as it develops and proliferates. I'll eventually sell some of the goats and use the proceeds to take care of my immediate needs."

"My two children were frequently sent home to pick up their outstanding school fee balances as the term came to an end. I used to rely on farming, but the drought forced me to find another source of income, which is selling charcoal. Selling charcoal doesn't bring in much money, so it's challenging for me to provide for my family. I paid $10, including exam fees and school fee arrears, to make that my children took the end-of-term exams. I then bought food, including two packets of maize flour, to supplement the stock I had purchased a few days earlier. The last $20 I had went toward purchasing a goat. Due to the severe effects of the drought, I lost all of my goats. I see this as a perfect chance to start over and build wealth once the goat population increases."

"I spent a significant amount of my transfer on a goat that cost $15. My daughters are currently in primary and secondary school, respectively. Due to the nature of my job, which does not pay well, I struggle greatly to pay for my children's school expenses. It was a wise investment for me to purchase the goat so that I could eventually afford to send my children to school. In the event that I don't have the money, I will sell some and use the proceeds to pay the school fees. To ensure that my oldest daughter stayed in school and continued her studies, I paid $10 in school fees. I eventually purchased a single piece of iron roofing sheet to replace an older, worn-out one on my roof. Numerous holes in the old piece allowed rainwater to seep in and eventually ruin my property. I'm relieved that my family and I will be safe during the rainy season thanks to the replacement."

"I'm pleased that my kids can eat a balanced meal, get school supplies, and wear better apparel. At the time of enrollment, this was not the case, but the regular transfers made it possible. Even if we haven't yet accomplished what we need to, I believe that our lives have improved. My husband passed away six years ago, and I have been raising his six children ever since. While the rest are in primary school, three are currently in high school. In addition, the condition of our one-room house, which serves as the living room, kitchen, and bedroom, is poor, necessitating the construction of a new, bigger one.Currently, I work as a domestic helper, earning $30 per month. When combined with the monthly stipend, our household income is $64. In order to satisfy the urgent needs, I will set aside a portion of the revenue each month to purchase a goat for rearing and utilize the remainder to pay for both educational costs and everyday living expenditures. I'll sell some of the goats once they will have multiplied to generate income for both the school's expenses and the construction materials.."

"I earn a living by farming and raising livestock like chicken and goats. In the coming year and beyond, I am planning to add more of them for sale in case of any emergency. I will also be employing someone to take care of them as I do have other errands to take care of in the farm. In addition, I will start up a small business of selling groceries as it has high demand compared to other types of businesses."

"Immediately I realized that I had received the money I decided that my first priority would be my daughter's education especially since she was about to finish highschool. Therefore with that being said, I ended up spending KES 2,000 on her tuition especially since she was almost on the verge of being kicked out. I then went ahead to spend KES 700 on buying medicine so I could treat my animals because I owned five goats and two sheep. Lastly I used the remaining balance of KES 700 to purchase twelve kilograms of maize because there was hardly any food since we barely made any harvest due to drought."

"I was very much excited to receive the funds when I did especially because it had already been three days since my kids had been kicked out of school. Therefore immediately a good chance to withdraw the money I ended up spending KES 1,000 to pay for their tuition. Afterwards I decided to deposit another KES 1,000 into my savings account because I was hoping to have enough money to buy a goat. I so far had bought two goats using the transfers I have been receiving which has led me to own a total of eleven goats which I intend to eventually sell. Eventually I was left with a balance of KES 1,400 which I spent on nutrition purposes, so I bought six packets of maize flour, three kilograms of beans and cooking oil."

"I have passion in selling ladies outfits. In the coming year and beyond, I am planning to expand my business in all the nearby markets so as to attract high profits. I will also be employing workers to take care of the businesses as it will be overwhelming due to high demand. I am planning to have a longer term solution for the kids school fees, I will therefore add more livestock like chicken and goats for sale for the kids school fees."