"I spent part of my transfer on buying livestock more so ten goats at a total of KES 30000. These have been the well thoughtful assets that I have been yearning to keep in my compound bit because of the financial constraints, I could barely afford it. I, however, opted for the goats because as compared to the other domestic animals they have so many benefits and they require minimal supervision. Also, I paid school fees of KES 10000 for my two daughters who are in secondary schools and I am glad the money came in good time because their exams were around the corner. With the remaining amount of money I am using it in buying enough food like maize flour, vegetables and cereals among others"

"Receiving this money means building a house for my family. I am a mother of one child and we all live in a one bedroom house which leaks during rains season. My husband died five years ago thus it is hard for me to get money for school fees and also build a house due to lack of job. I will build a one bedroom house which is spacious for the family. It will cost me KES 50000. I will use KES 30000 to buy goats as investment. I will also use KES 20000 and KES 10000 for school fees and food respectively."

"Last month I lost my only source of income to a fire that razed down everything. I owned a retail shop that was well stocked . Life has not been the same again. I have been forced to transfer my children to another school since I cannot afford the previous one. The three meals a day that I used to enjoy with my children is now a thing of the past. I am now back to the drawing board because I do not have enough money in my savings to start a new business. I do not know where to begin."

"I have desired to invest in livestock because it is the only way I can save my money to earn me profit when I sell them after they multiply. I, therefore, intend to start with 10 goats that will cost me KES 30000 of my transfers. I will also spend KES 20000 to buy a new bed and mattress to replace the old ones which do not give me nice sleep, and hence, this will guarantee me a better livelihood. I will further spend KES 40000 to construct a structure for my son. He is mature enough and we can not live in the same structure according to our culture, he has borrowing a place to sleep in the neighborhood and this has not been pleasing me at all. The remaining amount will cater to other household expenses like food."

"The challenges I often meet are the lack of food in my house and my family being sick. I need money to solve such problems and that's money I don't often have."

"I bought a motorbike 4 months ago on loan and I was able to deposit an amount of KES 15000 out of the KES 118000 required. I, therefore, plan to use KES 20000 of my transfer to reduce the debt. I will then spend KES 25000 to build a spacious 2-roomed iron-roofed house since I plan to marry and start up a family next year, hence the need for a more spacious house. my job as a motorcycle taxi driver is less paying, hence I will use all my KES 50000 second transfer as capital to initiate a business of buying milk from the neighborhood and selling at a profitable price to the milk cooperative. Engaging in these two income-generating activities will ensure improved income for my household."

"The biggest challenge I am facing currently is financial instability. I am a casual laborer doing farm works on other people's farms. These kinds of jobs are unreliable. When I get a daily job I am paid KES 250 per day, The money can sustain for 2 days then maybe on the 3rd day you do not get a job meaning you will sleep without meals that day. I have to forego some meals and maximize on this amount to compensate on those days I fail to get a job."

"Receiving this money is a very great thing to us , we will be able to buy enough maize for our household we couldn't afford this because we lacked money"

"Receiving this money means improving my living standard. My husband passed away five years ago. Since then ,I have been living in a one bedroom house with a grass roof. The house leaks during rains season. The rains and the wind has caused pneumonia to me. Upon receiving the money, I will build a two bedroom house at a cost of KES 60000. I will also buy ten goats as investment at a cost of KES 45000. The remaining KES 15000 will be used to buy food for the family."

"The challenges that am currently facing are not having enough money to support my family, my firewood business is not giving me much profits to support my family."