"The biggest hardship i have faced in my life is lack of money to start a business. I have become a housewife that i depend on my husband to do everything for me which is frustrating to me and to him. I want to be doing something to contribute something as well but due to lack of capital i just stay at home."

"I was struggling to make both ends meet before the transfer. I am now a happy person because everything is possible now with the money. I used to sleep on the flow without a mat but I managed to buy a bed and mattreses using the transfer. I also have enough food bought using the transfer. I am really grateful for being enrolled in the program."

"The money has brought happiness to me. I recently lost my husband and it has been very hard for me to cope up as he was the head of the family. When I received my transfer, it was a relief. I managed to buy iron sheets which I couldn't have managed to buy on my own. I also had an opportunity to buy enough food. The money I have saved support my day to day needs. I am grateful for this."

"I was very happy when I received my transfer. Honestly, I live a happy life now than before."

"I am a very happy person I as compared to the time before the transfer. I used to go to bed on an empty stomach but now I eat 3 times a day because of the transfer. I also managed to buy Mattress and I am sleeping comfortably. My day to day needs have been simplified because of the transfer."

"I was over the moon when I received my transfer. This meant a lot to me and I am so grateful."

"Receiving this money means I'll finally be able to stand on my own in my business. Currently, I'm doing a business of buying and selling livestock/farm animals. I get loans as capital, purchase some animals, sell at a profit and repay the loan. Sometimes I sell at a loss meaning I will have to look elsewhere to pay up the loan and the interest. Sometimes I do not get a partner to loan meaning I will not have the capital to do business. I plan to put all this money as capital because it usually gives me good returns on KES 2000 per day."

"The biggest is when farm crops started doing poorly ten years ago. There was a big shift in climate that greatly affected farmers. Since then we do not depend on farming as a source of income. At this time I had many children in school. One of my sons also had heart disease since he was twelve years old. Since then is being injected every very costly month. Last month( August) the disease progressed and he had to undergo an operation that cost us up to KES 400,000. It depleted all we had. We are yet to recover financially from this."

"Receiving this money means paying school fees for my children. I am a single mother with a family of four children. One is in form two and three are in primary school. Paying their school fees and meeting their basic needs has really been very difficult. This is because I depend on charcoal burning business to meet the basic needs of my family. This business is not reliable since it earns me less than 2000 KES a month. This is not enough to cater for my basic needs and raise school fees for my children. I have also been depending on bursaries from our local leaders to pay fees for my son in secondary school but this is not reliable since sometimes I miss and my son is sent home to stays for a month or two, then go back with some money that I shall have earned from my business. Upon receiving this money, I will be able to pay school fees for my four children. I will then use the remaining amount to buy five goats which I will sell when they multiply to meet other basic needs."

"Recieving this money means I will have a better home and good education to my children., I am a single mother of four, and I live in a small compound that I was given to stay with my children and out of this I built a small structure that we have since stayed together. I am now a grown up woman and really feel ashamed to sleep with my children in one room who are also grown up. I plan to spend KES.60,000 to extend my house and use the remaining to pay for school fees."