"I spent my transfer to purchase oxen and ox-plough. This is because mostly depend on subsistence farming as my source of livelihood. The oxen will assist me in the preparation of my firm in time before planting crops. Previously, I used to hire it from neighbour which is costly and it takes a lot of time to get due to it's high demand on rainy season. I using the remaining amount to construct a new shelter for my family since the one I have is old and has rusty roof."

"I had no good shelter for my family before I received my transfer but now I own and stay in a spacious iron roofed house like other in the village. I am stress-free during the rains. Also I was able to acquire some livestock which will assist me whenever I encounter any financial crisis."

"With my first transfer which I had already started the construction of my 2 roomed house for my family. I was looking forward to the second transfer to completing the construction. I needed to obtain 24 iron sheets, timber, nails and pay labour cost. After receiving my second transfer, I acquire the necessary roofing materials. I also purchased modern beddings since I was using the traditional bed and old rags as my beddings on the other hand, my kids were sleeping on the floor. The remaining amount assisted me to pay school fees for my 6 children."

"I spent my second transfer to construct a better and spacious house for my family. The one I had earlier was small, old and grass-thatched which requires constant roof maintenance which is relatively expensive. I also purchased one cow and 3 goats so that I may have future investments for my family."

"I spent $350 of my transfer to build a spacious, modern iron roofed house for my family. I purchased 19 ironsheets, nails, building poles, timber and paid labour charges. This is because the house had before was very small to accommodate my family and our properties. The remaining amount assisted me to educate my 2 children who are still in primary school and purchase food for my family."

"I spent KES 33000 of my second transfer on clearing school fees for my children who are in university and secondary school. This has been my dream to pay the fees for a whole term to avoid the distraction but I could not afford it. However I used to pay in bits and sometimes I failed to pay on time and they need up being sent home, I also bought some building materials iron sheets, nails, and timber. This was purposely for the renovation of my house becasue it has an old leaky roof. With the remaing amount of money, I am using I in buying enough foodstuffs for my family."

"My life is different from how it would have been in such a way that, I am now a proud owner of a good iro roofed house. Back in the days, I have been living in an unconducive environment and perhaps someday my house would collapse. Also, it would very small, I couldn't even host a single visitor which was so embarrassing. However, I am very proud and confident becasue I now live with all my family members under one roof and there is an extra roof for my visitors. To add to that, I was also able to purchase a dairy cow that is now proving us with milk. I have been able to use few liters for my family and sell the remaining g liter to the dairy shops and generate an income. Therefore providing for my family's needs has been made easier unlike when I used to struggle."

"Receiving this money means a big boost towards satisfying my basic needs. My priority is shelter. I will use 300 USD to build a two roomed house with an iron sheet roof. My current house is tiny and grass thatched. My spouse and I endure a lot especially during the rainy season because the roof leaks. This is always a risk even to our health."

"Receiving this transfer means good education to my child. My last born is in secondary school but he has been in and out of school due to fees balance. I am planning to spend 60,000 Kenya shillings to clear all the arrears so that he can study with ease. I hope that he is going to pass and get a well-paid job so that he can support us in the future. Other, than I will spend the remaining amount to renovate the roof of my house which leaks during rainy season for us to be able to live comfortable life."

"My life is currently different than how it would have been had I not receive the transfer because I now live in an iron roofed house. Because of this, I am now able to collect clean rain water for drinking and domestic use. Also, living in an iron-roofed house is a sign of wealth and class in my neighborhood."