"I spent my first transfer on a mattress(5,000 KES), 3 cushions (1,500 KES), small-sized fishing nets for my husband's business (2,000 KES) and the balance on food items."

"I spent my first transfer on fishing nets (6,000 KES) for income generation as well as debt repayment towards a Women Group Account (4,000 KES)"

"I spent most of my second transfer to buy sand and cement which I am planning to use to renovate my house from mud to plastered. I bought household furniture which I did not have and the remaining amount I spent to buy a fishing boat since am a fisherman."

"I spent most of the second transfer to buy building materials as l am planing to build a kitchen. I spent the transfer to buy cupboard for me to have a place where l can keep my utensils in a safe place. The remaining balance l spent to buy fishing net as my source of income."

"I spent my second transfer on buying waterpump for a tomato growing project I just started as a source of income, I bought a boat and fishing nets that I use in fishing as my major source of income and paid my wife's maternity hospital bills after a safe delivery."

"I spent my second transfer on buying 16 pieces of fishing nets . I also bought building materials such as timbers since I am planning to build a boat with the upcoming transfer."

"I spent my first transfer on fishing nets (15,000 KES) . I added the money I had been saving."

"I spent most of the second transfer to buy fishing net for fishing, since l had a boat but l did not have fishing net. I spent the transfer to buy donkey as also my source of income, since l use it to carry water a round the village and sell it to people and get my daily income. I also spent the transfer to buy wet-cell for lighting my house and so l do not spent money to pay paraffin everyday. I also spent the transfer to buy plastic chairs. The remaining balance l spent to buy goats for my future use."

"I spent my first transfer to build new house since I had small house with couldn't accommodate us with my family. I also bought food for my family and boost my fishing business."

"I spent my second transfer on buying fishing nets for my husband who is a fisherman, bought cement and sand that was used to plaster my house to get rid of the dust, purchased a steel door and windows and had the fixed to the house."