"The biggest difference in my daily life is hope of owning a better house. Am only waiting for the maize to be harvested from the land am planning to build a home them I will move with my family and build our own home with the materials I purchased. I used to be so worried over how I would be able to build a descent house in my own compound which I had plans to move to soon but today, am at peace knowing that I have the necessary materials of house construction. The little money I used to save for the same I can today use in buying my family other needs such as quality food and clothes." (Occupation: Motorcycle or bicycle taxi)

"I spent my second transfer on purchasing a second-hand motorcycle that I gave out to my spouse to use for commercial purposes. I am glad the the project has really changed our lives since at the end of everyday we've always saved 300 KES, not as before when we had nothing at all to save. Whatever my spouse got from his fishing activities was not even enough to cater for the family's daily needs."

"My life has improved and I'm happy my business is now doing well thus I'm able to easily meet my needs and save some little money. I have also made a step on my house that was under construction and it's coming to completion. This is the biggest difference in my daily life." (Occupation: Motorcycle or bicycle taxi)

"The biggest difference in my daily life is that we lived in a tiny one-roomed house but currently our house is 3 -spacious rooms. Again , no more paraffin for my family since we use solar for lighting and we feel very excited, God bless you very much for making this possible for us.." (Occupation: Motorcycle or bicycle taxi)

"I spent a larger portion of my second transfer on buying a second hand motorcycle that I'm using for taxi services and used 2000 KES to buy some households."

"I spent my second transfer on completing the payment of a motorcycle that I had purchased on hire purchase terms. I was glad that I had paid half of it from the tea leaves business I conducted a long the lake. With the motorcycle at hand, I am able to collect a total of 350 KES on a daily basis from the commercial services it does everyday. This has greatly improved my living standard because my daily needs are well catered for using the amount collected from the motorcycle."

"The biggest difference in my daily life is the acquisition of the household items that I lacked before, which made rely so much on the neighbors." (Occupation: Motorcycle or bicycle taxi)

"The biggest difference in my daily life is the fact that I have bought most of the things I needed in my life. This makes me proud as woman because my house looks like other fellow women in the village." (Occupation: Motorcycle or bicycle taxi)

"I spent my second transfer on purchasing a second-hand motorcycle that we thought could help us generate some income for the family's upkeep. Previously my spouse did this job of moving people and goods on motorcycle from one point to another, though with somebody's motorcycle, which demanded him to remit a total of 300 KES to the owner at the end of every day. This appeared to be very hectic and less profitable more so on those bad days when all he could generate could be equal or even less than the 300 KES required by the motorcycle owner, meaning he would have to walk home empty handed after remitting all the day's generated income. I am so happy today with the motorcycle we purchased since all that is generated from it is fully ours, something that has even enabled us to open a savings account for the excess income generated daily." (Occupation: Motorcycle or bicycle taxi)

"I spent most of my second transfer on purchasing livestock, 2 cows, which I intended to keep for provision of milk in future when they reproduce. Secondly, I purchased a bicycle to assist me in my vegetable supply business. Previously, I hired motorcycles for transportation purposes, which costed me a lot of money that greatly reduces the total profits generated."