"We used our last transfer to get two lorries of a special soil we use for plastering the walls of our house, wire mesh and a lorry of sand we bought this to help us finish up our house that we had started building using our second transfer, we later dug a well with part of the transfer and also added some of our own savings to this project this is because we had had so many water problems and where we could get water was far."

"I am a farmer mostly involved in horticulture so when I received the transfer I used it to buy pipes to help me in transferring water from the river to the farm. I used part of the money to pay school fees for my son who is finishing high school this year then lastly I bought sofa set seat for my house this is because I had no seats."

"I spent my third transfer on connecting my home to tapped water. In my area, there is water shortage in my area and the distance to where we get it also very far. At least my old mother can access water easily and she does not have to walk the long distance. The remaining I spent on buying building materials that I am planning to use to build a more spacious house given that my family has grown bigger and we need more space."

"We are close to a small river so when I received this last transfer I bought a water pump and pipes to help me in horticulture farming and the produce I sell to retailers around, I also bought iron sheets and a special soil to help me in building but because culture does not allow me to build before my big brother am still awaiting to build in due time."

"I used my last transfer to finish paying up a land I had bought to farm on the land then the rest of money I used to buy water pipe to transfer water from the water pump to the farm"

"I spent a portion of my second transfer on an additional sofa set to fully furnish my house which was initially a bit empty. I am so happy that I no longer have to rush to the neighbors to borrow their seats whenever I had visitors. Secondly, I purchased a bicycle to help me collect water from the lake. Previously, I fetched water manually from the distant lake which was a bit tiresome. Lastly, I invested in livestock farming which was the best way I could save a portion of the transfer for future use."

"I spent the second transfers to buy two cows which helps me in ploughing my farm.I also bought water pipes to connect to my generator for pumping water from the river to my farm.The remaining balance was spent on buying maize for my family."

"I spent most of the transfer to start business of burning bricks and selling to the community, this has really changed my life being that l can now manage to have my daily meal. I spent the transfer to furniture since the furniture that had where not enough being that l have a big family. I also spent the transfer to buy water container and the remaining balance l spent to buy two sacks of maize for my consumption."

"I spent the last transfers to buy a generator and a water pump for irrigating my farm.I am now happy as I earn a daily income from the sale I get from tomatoes and kales."

"I used my last transfer to dig a borehole it was tiring going to fetch water in the nearby river I also bought some chicken for poultry farming I did this because it is a lucrative business and the demand for eggs and chicken is high in our area and the hotels around finally I paid fees for my two children who are in high school."