"I spent my third transfer on purchasing a water pump given that we are farmers and every time we needed to irrigate our tomato farm, we had to borrow the water pump which, if we do not find, I carry the water on my head which was tiring and time-consuming. Our farm did so well and the profits enabled us build a three roomed, spacious house and move out from the squeezed two house we owned before."

"I spent my third transfer on buying an engine for 70,000 KES for a fishing boat that I had bought using my second transfer (60,000 KES). On both occasions my husband added his savings from his previous fishing activities. He was previously employed as a fisherman in Uganda, until tension developed between the two countries and he got sacked by his employer so he came back to the village. After a while he got another job as a fisherman, but earned about 1,500 KES -2,000 KES for every fishing trip which took 3 days on average, and life was hard, our children could be sent back home for lack of school fee. Consequently, when GD enrolled me, we knew exactly how we would spend the transfers and planned well. Having invested 130,000 KES, we started the fishing business in August 2018, where my husband still fishes from Uganda waters and brings a big fish haul back, which is sold immediately to specific customers who transport it to Nairobi. Just within four months, we are seeing the fruits of our investment, and have acquired a second fishing boat for 60,000 KES, and we are already saving to buy an engine for it for more efficiency and higher return. We have employed two men who support the work. Besides, we raised 5,000 with which I personally started a small scale business (I sell charcoal, cereals and fruits) which I run while my husband manages the fishing business. In a space of 3 months, I have managed to grow my working capital to 10,000 KES. Our living standard has improved, and we plan to pursue other goals in our lives, beginning with building a bigger and better house. Thank you so very much, we welcome GD staff for a ride to Uganda in our boat, and some fish to carry back to Nairobi."

"The biggest hardship I have faced is about two years ago when the drought was prolonged and getting water was the biggest challenge. I had to walk longer distance to get water for domestic use."

"The happiest part of my day is in the mid-morning when am done with water collection for my liverstock and now ready for less hard daily duties."

"The biggest hardship I've faced is the inability to buy water tank due to lack of water in out village. "

"The biggest hardship I am facing inadequate water at home. Sometimes there is lack of cleaning drinking water forcing me to buy which is expensive. My children are forced to take a bath thrice a week because of this hardship."

"Am planning to spend my transfer on buying a tank for storing water this will help a lot during draught, I will also buy a TV and pay fee for my three children who are in college."

"My biggest hardship is last year when there was alot of drought and I had to go a long distance looking for water for livestock and domestic use. Also during that drought season,through farming ,the yield was very low and I was not able to get enough money for paying school fee."

"Once i get my transfer ,I will save so that I dig a dam for watering my cows ,water in this area has been a big challenge for many years and that will be my priority."

"The greatest achievement am proud of is being able to build a new house for my family we no longer have a leaking roof. Also am happy because I have piped water in my compound."