"Reuniting with my wife after bringing her back home was the biggest difference. For more than 2 months I had missed my wife after she was forced to return to her parental home due to the unpaid dowry. I am so grateful for the transfer which has made all this possible. I was stranded since I did not have any money to pay the dowry."

"It was around 8 am when I was relaxing from my day-to-day work of charcoal burning. My phone was off so I decided to switch it on so that I may get any updates of any calls or messages. Immediately, I received a message from Mpesa indicating that I had received my transfer. I felt very happy about the transfer since I had not received such a large amount of money before in my life. I informed my wife who did not believe and I had to give him the phone to confirm the messages."

"I was awakened by our son who came to our house at around 1 am to inform us that our neighbors had received their transfer. I was so worried after checking my phone and realized that I had not received my transfer like others in the village. I decided to go back to sleep until morning. I called my son to confirm if I had received the transfer and I was so happy when he informed me that I received it as well. I rejoiced with my family since I had eagerly awaited the transfer to improve my living standard."

"Yes, I had plans to go to the hospital to seek medical attention."

"Yes, I had plans to send my kids school fees"

"I spent my most recent transfer on building materials"

"I'm planning on improving my house and my small business"

"Financial hardship is a major constraint for me. On many occasions my children go to bed without a meal. At times I have to beg neighbours for food before we eat. All these are happening because there is no other source of income and I am unable to engage into large farming as a single mother. I am mostly engaged with a little cassava farming as a means of providing food for the children but they are mosty destroyed by pests because I am not able to protect the farm from them t by surrounding it with fence"."