"The happiness I had on receiving the first transfer was unmatched. It was early in the morning when I heard my phone rung and on checking, I could not read whatever was on the just received message. I would have sought assistance from my helper, but my grandson had to check it up for me since she was not around then. His confirmation that it was indeed the money we had been expecting made me so happy that I really thanked God for the then great promise that was getting fulfilled."

"I was heading to the dam when my phone started ringing since I am illiterate I asked my cousin who is also my helper to confirm who it was. Upon checking, she realized that it was an Mpesa message from Segovia Technology. After hearing this awesome news couldn't contain my joy. I remember having returned home and started planning on how to spend the transfers."

"I have a family of seven children who fully depend on me since my wife is just a house wife. With my small food kiosk business, I struggle to satisfy all the family's needs since I get around 2 USD profit in a day. Buying food, clothes, paying school fees and providing proper shelter for them has been real struggle. Low financial capability has therefore been my biggest hardship."

"Doing casual jobs has made me struggle a lot financially since they are very unreliable. Receiving this money means income stability for me. My wish has always been to get a consistent source of income that I can rely on. When I receive this money, I plan on opening a barber shop in Bamba shopping centre which is just a walking distance from home. This will cost me approximately 500 USD to set up the whole business. I sometimes work as a casual in one barber shop and I therefore have the skill. Owning one of my own will be a dream come true for me."

"I suffered sever sickness for three years until my late husband took me to hospital where I was diagnosed to find that i had a heart problem .I got treatment for three months, and was cured ."

"I currently lived under one roof with my children where we cook and spend our nights in. It is uncomfortable for the six of us to be in this small house more so spending the night together with my grown-up children. To be receiving this money means, I will be able to build a spacious and decent house since I am going to use 400USSD to build one. I am sure we will have a good place for my children to live in different from ours and also have a spacious and decent sitting room that can host my visitors comfortably whenever I have some. I currently have children in secondary and primary school and since I wish to give them ample time to study, I will use 100USSD to clear their school fees. This will enable them to study with no interruptions hence focus on good grades. To invest my cash transfer, I will use 350USSD to buy a cow to add to my cattle. This is an added asset that will improve our milk production this increases our sales and also will have offspring that I will rely on for any arising financial need in my family. I am planning to spend 150USSD on my household daily food, clothing, and items."

"I serve as a night watchman at Chepkosa secondary school, a casual job that has enabled me to meet my family's needs and educate my children. Spending cold nights for more than a decade hasn't been an easy journey since I sometimes get sick and always go without enough rest but I persevere all this to have a happy family. To me scares resources in my family have put me in gold nights and unrestful days for twelve years and this has been the biggest hardship I have ever faced in my life."

"I am a housewife and I majorly depend on my husband who is working as a charcoal vendor. His job is tiresome and time-consuming yet its income is very little such that it can not support fully the needs of the family. We occasionally skipped meals and borrow from relatives something that ashames me. Therefore I consider financial crisis as the biggest hardship that I have even faced in my life."

"Last year I suffered from malaria for two weeks. I did not have any money to go for medical check up because I have no any investment . I used traditional method , that is using herbs to treat malaria.I almost lost my life. That is the biggest hardship I faced in life."

"Recieving this money means I will build a discent kitchen that will also host my visitors when they come home, I will also pay school fees for my children and start a dairy farming. I have been staying at home with my children and my husband i a casual laborer at someone's home which is far from our place I plan to spend 400 dollars in building that kitchen, use 300 dollars in purchasing a dairy cow, and spend the remaining in paying for school fees."