"The biggest difference in my daily life is that I have been investing my transfer in farming by buying fertilizer and hybrid seeds thus I have been getting bumper harvest compared to before when I used to farm without, I could harvest very little produce. I am able to feed my family with a lot of ease hence my children are happy and have a positive attitude towards education. I am able to pay their fees on time from the sales of the surplus produce hence they are not frequently sent home unlike before."

"In the next six months, I expect that we will be having a dairy cow for the family. The dairy cow shall come with more food and more income for the family. It is only through dairy farming that we can raise reasonable income to take our children to good schools and give them the best education which is a dream of every parent."

"I intend to keep saving these transfers as much as possible so that in case of difficulties in paying my college fees, I will be able to pay part of it and let the rest be taken care of by the Higher Education Loans Board. This will save my mother the stress of raising a huge amount to clear the fees especially now that she is retired."

"The biggest difference in my daily life in the past four months is being able to pay fees with much ease. I was not able to pay a fee on time and would have so many debts which I took to pay a fee for my children. My children used to stay at home for a long time while I looked for money to take them back to school after being sent home to collect fee balances. I feel so happy that I am able to give my children the best education I can afford and very optimistic that they will be better and wiser people in future."

"Currently, there has not been much change as compared to before. This is because the proceeds from farming are not yet ready but I anticipate a drastic change once I harvest. I will utilize the income earned from the farm proceed to offset fee balances that are currently a major problem in my household. This will mean minimal disruptions for my kids in their education."

"A year ago when I was about 5 months pregnant, I fell very ill and I had to use a lot of money for treatment in order to save my baby, which led to collapse of my shop business. With my GD transfers, my goal is to revive my business so that I can be able to meet my family's needs of food and education much easier. I also plan to spend part of it to rear livestock specifically goats because of their drought resistant nature. "

"At the moment, I do not have any additional goal in the next four months reason being that my brother is still at school and I will be spending all my next transfers to support his education."

"Lack of sustainable source of income has been a challenge to me and my family. It has resulted to low schooling level for my elder son. I was unable to pay for his secondary school education since my husband who is the main breadwinner could not raise the required money for his form one admission. Back then, agriculture was my alternative source of income, but due to the unavailability of means of tillage, and subsequent untimely planting, it has led to poor maize production year in, year out . In most cases we buy maize flour from shops and this has been a constrain to our already diminishing income."

"Receiving this money means liberation from poverty for my family. I am a widow with four children to take care of without any stable source of income. Over the years,the responsibility of educating my children has overwhelmed me. My son who managed to complete his secondary education two years back and excelled well has not been able to join college to pursue a course in human resource management that he had been called for. This is simply because I have not been able to clear his fee arrears of ksh.24,300 from the school to date.The administration is holding onto his certificate as a guarantee of pay and this has locked out so many opportunities for him which require the presentation of certificate as proof.It hurts me a lot to see him struggling with casual jobs yet he had the potential to go to college and get a good job afterwards. The rest of his siblings are constantly on and off of school because I have not been able to pay their fees either. With this money,I plan to start a vegetable selling business within bamba town so that I can generate income to enable me educate my children comfortably and enroll my son into college so that he can pursue a course of his liking after clearing his fee arrears and getting his certificate."

"Finances,1952, currently experiencing leg pain for having to walk long distances in search of trees and trunks to burn charcoal for survival, two sons who did not complete their secondary education "