"My work as of now is charcoal burning, a job that is time-consuming and its income is very low. Considering the earnings from this job, I am unable to sustain the basic needs like food, better beddings and even paying school fees for my children something that has affected their performance. Therefore, the lack of a stable source of income becomes the biggest hardship that I have ever faced in my life."

"I had acquired a motorcycle on a loan and I was unable to complete the payment on time. When I received my second transfer, I paid KES 30000 to reduce the outstanding loan amount. At least I am now remaining with a manageable amount that I can comfortably clear through the daily proceeds from the motorcycle. This motorcycle has been my only source of income so far as it provides taxi services. In addition to this, I also spent KES 22000 of the remaining portion of the transfer on buying five goats which I am currently keeping in my homestead. These are assets to me which I can rely on in case of a financial need. I am expecting them to reproduce and increase in number. As they increase number, I will sell the offsprings to raise some money and buy a cow."

"Lack of capital to start my livestock rearing activity has been my biggest hardship in my life. This has forced me to resort in charcoal vending activity a job that does not earn me much to support my family needs like food."

"Receiving this money mean a healthy family. Seeing my family happy and healthy has always been my ambition. My intention is to buy one additional dairy cow to the three I have which are less productive. We normally get 3 liters of milk a day from the cows which is hardly enough for both domestic and school expenses. I have six children and consume 1 litre and sell the remaining 2 which I feel it is hardly enough for my family. I am therefore planning to buy one dairy at approximately Ksh 20,000 to supplement from what I get from the ones I have."

"I spent the money on buying cement and plasting my house and also buying food for the household"

"My life is now different because now I have a house with a proper roof before I used to have problems in the rainy season but now I am more at ease"

"Receiving this money will enable me to clear this year's school fees arrears of $600 for my two children in secondary school hence peace of mind all through the year for being bebt-free. I will then use $400 to buy a Friesian dairy cow that will ensure consistent source of income from selling 5 litres of milk daily for $2 hence an assurance that I will never lack money to buy food for my family."

"IT IS DOING WELL. I CANNOT COMPLAIN"

"I bought cement to plaster my house, clothes for kids and maize"

"it is doing well because i have managed to buy matress using tge money"