"I spent my second transfer on purchasing seats @10000 Kes, a cupboard @9000 Kes, a steel door @9000 Kes, and paid school fees of 7000 Kes. I also bought an m-kopa solar panel, utensils, table clothes and curtains, children clothes and shoes, a mattress and a blanket and spent some on food."

"I spent my third transfer to buy a metal bed and mattress which I have always longed for. I bought a blanket which is much warmer. The remaining amount, I hired bulls to plough my farms and also bought fertilizer and seeds for planting"

"My life is different in that I now enjoy my sleep because I managed to buy a new mattress since the one I had was too thin and uncomfortable. Currently my family has a reliable source of income from the motorcycle business which we(my spouse and I) purchased using the second transfer and as we speak, from the business(motorcycle transport business) my spouse has managed to buy building materials and soon we are going to establish our home."

"I spent 19500 Kes of my second on on purchasing a cow and a goat which my husband used in paying my dowry. I then bought two bags of maize @10000 Kes and bought clothes worth 8000 Kes. I also bought a bed and mattress @7500 Kes and bought cushions @2500 Kes. I spent the rest of the money on shopping of consumables and food."

"My life is different in that I'm relieved from stress of searching my child fee since I managed to pay most of his fee. Apart from that, I now enjoy my sleep on a new and comfortable mattress."

"I spent my second transfer on buying a heap of sand at 14000 KES, fishing net at 20000 KES, slaughtering my cow with breach presentation while giving birth at 6000 KES, 5000 KES on fees, 4000KES on mattress while 850 KES on a super-drum"

"I spent my third transfer to complete my installments on Mkopa solar, I bought clay soil to renovate my house. I bought a bed and a mattress since I did not have a good bed and a mattress for myself and my son, I bought steel door which I have fixed on my house. I spent some amount to pay school fees for my child who is in high school and the remaining amount, I spent to buy other household goods which I did not have."

"When I received the second transfer, I used a total of 22000 KES from it to buy a sofa set and a table since I did not have proper furniture in my house. I then bought a mattress since I did not have one before, and used the balance to clear school levies for my child and to buy dry maize and other foodstuffs for my family because we did not have enough food in the house."

"When I received my second transfer, I used 15800 KES to buy a cow which I am rearing in my home. I also used 15000 KES to split timber which I will use for construction of my new house when I receive my third transfer because my current house is small and requires frequent repairs. I used the balance to buy a mattress and dry maize for my family's food since I had no proper bedding and we also did not have enough food in the house."

"I spent my second transfer on buying 32 pieces of iron sheets at 650 KES each, a mattress at 4500 KES, a chair at 5000 KES, labour charge at 8000 KES, timber at 5000 KES, iron nails at 2000 KES while the rest of the transfer on food and upkeep"