"I spent all my second transfer, KES 55,000 on expanding my business. The business mainly deals in maize and wheat flour as the key availe products. By virtue of investing in additional money in the business, it has greatly picked up and I always make sales estimate of KES 100,000 per day. As a result of the business good performance, I am optimistic that I shall soon diversify the products I sell. This will increase my source of income hence supporting my family will no longer be burdensome."

"Two years ago, my husband used to work as a retailer in Kilifi. After his father passed on in the year 2020, he had to come back home because there was no one to take care of things like livestock and the farm. Ever since we struggle financially because he only sells charcoal for a living. In Kilifi, his salary used to cater to most of our needs."

"I am a widow and a mother of five. Currently, four are still under my care and they are in various schools. I struggle to make them happy and have a good place to call home. I lost my husband when I was still young in marriage and since then I have not been able to develop enough to comfortably take care of my children. This coming cash transfer to me means an asset to my family. I am planning to use KES 35000 to buy a cow. I prefer a cow since I do not have one. This is will be an asset to us and from it, we will enjoy milk for both household consumption and sales to earn an income. I am hopeful the offspring will be our financial security and I will be selling to pay for my children's school fees. This is indeed a blessing to my family."

"I have used my second transfer which is also my last transfer to add house building materials,i bought four bags of maize for food as well as clothes for myself and the children not forgetting my dear husband aswell"

"We are a family of 6 children, 4 of them are school going, 1 in primary school and 3 in Secondary school. My wife deals in groceries and it has assisted us to pay their school fees albeit with the challenges of inadequate capital. It is a good business though we have not been able to maximize the profits because it requires enough capital. This has weighed down on us and it breaks my heart a lot, we could be considerably well financially. It is because of the foregoing that we plan to use KES 20000 to inject into the business and use the rest of the money to buy a dairy cow."

"I used my money to buy bags of Maize for food, fertilizer and also saved some of my monry to improve my house when the rainy season ends"

"I have a family of two members. We are all living in a one bedroom house and it leaks during rains season. It has no space to accommodate visitors and also my daughter who is schooling can not do her studies at night. During rains season, My daughter and I have sleepless nights due to the rains. I will build a two bedroom house, buy two beds and two mattresses. This will cost KES 90000. I will also use KES 20000 to buy five goats as investment. It will help me pat school fees for my daughter when she joins secondary school next year."

"I have dreamed to own a decent house because I am the only person with the smallest structure in the compound. Despite it being small it also leaks during rain seasons something that has risked my life because of the slippery mud floor. Last month, I almost broke my limbs. This dream has never come to pass due to financial instability. Receiving this transfer means good shelter for my family of 3 members. I am planning to spend KES 50,000 on the construction, this will enable us to live a comfortable life without any worry of falling due to slippery mud. Other than that, I will spend the remaining amount to invest in a small business ( selling vegetables) which will generate income for us."

"Loneliness has been increasing my stress level from time to time. I am 72 years old and I neither have a wife nor children. Family is an agent of socialization. Lacking it has made me lose the required respect I need to have as a man."

"I spend my recent transfer on buying zinc, clothing and furniture for my home."