"Financial instability is the biggest hardship I have ever faced in my life. This is because lam a housewife, I depend on my husband for survival. His salary can not cater to the needs of the family and also enable me to pay school fees for my siblings. Am real ashamed when my siblings drop out of school due to lack of school fees. This has stressed me for a long."

"Receiving this money means food security to my household, since am planning to upscale my farming. This is because I commonly farm only 1/2 acre of land producing a 50kg bag of maize which is sustain my family of 3 for one month. I am planning to expend a maximum of $400 on my first transfer to buy oxen and ox plough which will enable me to farm 4 acres of land. This will ensure I get more harvest of 8 bags of 90kg each, which will sustain my family of 3 for 10 months. The rest amount of my first transfer, I will buy iron sheets to renovate my house which is now leaking. I will spend the utmost $300 of my second transfer to buy 10 goats which will act as a long-term investment project for the household. I will use the remaining amount of my second transfer to buy food for my family."

"The only way to earn some money for me was from contributions of fellow community members. This was so as I volunteer to teach their kids in the local kindergarten school. Hence,the main challenge for me was finding a source of income to achieve my dreams of owning a business."

"My life is different than it would have been if I never received the transfer in that I living a comfortable life. Through the transfer, I was able to improve the condition of my house by constructing an additional room and purchase proper beddings. Previously, I was living in a small house and using traditional bed which was not comfortable to sleep on. In addition, I am now owning a piece of land after acquiring an acre with my transfer. I am planning to start clearing it for farming purposes, this will assure me of food security for the family. Furthermore, I was able to start livestock rearing using my transfer, a future investment for the family."

"My life is different than it would have been if I had never received the transfer in the I am living a better life. Through the transfer, I was able to use $120 to start a grocery and dry fish business a reliable source of income for the family, I now earn a profit of $30 from the business every 2 weeks. With this income I am able to meet my daily needs easily. Previously, I use to do charcoal burning which was very tiresome and risky since the government had restricted the use of charcoal due its negative impact on the environment. Furthermore, I was able to improve the livestock rearing through the acquiring of more livestock using $400 of my transfer."

"I spent part of my first transfer on buying some building materials which include iron sheets, building poles, nails, timber, and threads. This was purposely for the construction of a new house becasue the previous one was a temporary hut with old roofing and very small. With a family of four, it couldn't accommodate us all and they had to seek shelter from friends and relatives. I also paid the mason KES 9000 as his labor charge. Also, I cleared school fees fr my children who are in primary school ad they are now studying peacefully unlike before. With the remaining amount of money, I bought enough foodstuff for the family."

"Receiving this money means an increased source of income. I am currently engaged in a small business of buying and selling cows within and outside the village and selling them in a nearby market. The business is nowadays unreliable because we seldom get cows to buy and sell. I am therefore planning to buy a dairy cow of approximately Ksh 30,000 and my projection is to milk 8 liters a day. Out of this, I will sell 5 liters at Ksh 30 per liter and consume 3 liters. The proceed I get will be used to cater to education and household expenditure. This translates to an improved household income."

"I spent part of my first transfer on buying several building materials such as iron sheets, building poles, nails, and timber. This was for the construction of a new house since the initial one was in critical condition and almost collapsing. In addition to that, I paid school fees for my son who on his third year in university. Also with the remaining amount of money, I bought enough foodstuffs for my family and some other household items such as plastic chairs."

"With these transfers, I was able to purchase nine goats. I decided to buy these since it has always been my dream to have some livestock in my homestead. Now I am very happy that my dream was fulfilled. The rest of the money, I bought some food stuffs for my family."

"The biggest hardship that i have faced and I usually face is that, most of the times i fail to provide the needs for my wife and children as a man of the house. I fail to generate alot of income which leads to not having food and clothes for the family."