"From my most recent transfer, I spent about KES 20,000 to proceed with building a new house which is almost completion. I had began building it with my first transferr which was insufficient since part of it was diverted to other use. I look forward to begin using it soon since the current one is too small to accommodate my family of 6. It has an additional room meant for my children's use hence they will always have plenty time to bond with us at night before they retire to bed. Previously, they had limited time with us because they were always spending in the neighbourhood. The rest of transfer went into paying school fees for my 2 children in secondary and 2 children in primary schools."

"I have a rental house at Ndarako which has two rooms and is fully occupied. I have plans to build three more rooms as rental houses are in demand currently. Receiving this money means using 40,000 KES to build three more rooms. I rent my rooms at 500 KES per month and the money I will get will help me in taking care of all my daily family expenses. I will also use the remaining amount to enroll my two children to school as they have reached the age of going to school."

"I possess the only shop in my village, but I have less stock to satisfy my customer's needs. Receiving this money means business advancement to me. I intend to build a new shop with sufficient space where I can increase my stock to assimilate all customers. Currently, I have rented a small room which serves as the shop and bedroom at night. I will use 15,000 to build a new room for my shop and add stock with the remaining amount. I am optimistic about a better tomorrow through my business. The revenue I get from this business, I will save at the nearest bank so that I can get loans when need be."

"I was diagnosed with ulcers last month and the doctors told me to abstain from any job. This left my husband to be the sole provider for my family of 7 children. I feel pessimistic when my children are sent home for school fees and I can not work to get any revenue to get them to school. My husband's revenue of 4500 KES per month is insufficient to cater for food and pay school fees."

"I have six children who are school going.They are often sent home because of the huge school fee arrears in there schools and three of them do not have school uniforms.My wish is for them to be well educated as I know that is the only way they will come to help me in the future. Receiving this money means clearing all the school fees and purchasing school uniforms for them.I will use the rest of them money to buy food."

"Receiving this money means a better livelihood for me and my family. I plan to use KES 30,000 to purchase a dairy cow which will not only give me milk but also earn me an income through the sale of milk. I depend on casual jobs as a source of income, which is also unsustainable since we depend on planting seasons to get these jobs. At most in a day, I make KES 200 which goes to food. I strain a lot to at school fees for my three children in school. For the rest of the amount, I will pay school fees for my children in school."

"The biggest challenge I have now is a lack of finances. I have seven children in school which weighs me a lot providing for them and paying their school fees. These responsibilities have made me not been able to save money to build a better house all these years. I solely depend on farming as the main source of income which is unsustainable due to fluctuating weather conditions."

"Scarcity of water in the area- there is no safe drinking water in the area, I Have to travel more than 2kilometres to the water pan.There is no power - no solar or electricity in my house. During the night, its totally dark. Getting food, we need to do charcoal burning activities which has brought deforestation.The life here is not conducive because during the night, its very cold."

"I am a hair saloonist by profession. I have been doing my saloon job locally in my house whereby Customers who needed my services came to set their hair. I have been thinking of expanding my business to be a career to attend all types of hair styles but I have no equipments to address on this. Receiving this money means I will buy some saloon equipments like hair dryer, hair treatment chemicals, rasta and weaves to enable me attend all the needs of my customers. Majority of teachers of our nearby school goes far distance to make their hair. I lack the essential equipment to offer the services. I will address on this immediately when I receive the fast transfers. I will set a good saloon shop which will attract all the customers in my village and build my business."

"Being a widow with no reliable source of income has been the greatest challenge that I am currently facing in my life. Imagine taking care of my 6 children who are still schooling yet my monthly income is utmost 3000 KES! In most cases, they have been sent out of school due to lack of school fees and this has contributed to their low performances. Back at home, food is also not enough and we sometimes survive on one meal a day. This has robbed away my joy as a mother and I am always under stress."