"My biggest hardship is the lack of a reliable source of income. This has hindered me from meeting my needs such as shelter. I depend on charcoal burning as my only hope. This job earns me 450 shillings a week. Sometimes I have to depend on my relatives for my survival especially during rainy seasons because the weather does not support my job."

"Receiving this money means building a semi-permanent house for my family. I separated from my husband 15 years ago, because his situation did not allow us to stay together. (He suffered severe headaches which led to madness). Currently, I am staying in a grass stitched house which leaks during rainy seasons. I am planning to spend 80,000 shillings of the transfer on construction so that we can leave a decent life. Other than that, I will spend the remaining amount to clear fee balances for my children so that they study with easy because they won't be sent back home to collect fees for 1 year. This is going to give me room to save the Little coins I have for the next year."

"I spent part of my first transfer on buying some building materials such as iron sheets, building poles, threads, and nails. I purchased all these with the intention of constructing a new house becasue I have been staying in a temporary hut. In addition to that, I cleared school fees for my children and bought new uniforms as well. Also with the remaining amount of money, I bought enough foodstuffs for my family and some other household items"

"I was in my farm harvesting my crops and I was busy when I heard my phone ringing. Since I could not comprehend the contents of the message, I called for my helper who confirmed to me that I had received my first transfer. I was overjoyed and excited for this money would transform my life."

"I have now managed to get bricks unlike before where I wasn't sure how I was going to get bricks to build my house."

"I felt so overwhelmed with joy and excitement"

"when i received my money i bought bricks and iron sheets. i have been living in a poorly built and grass thatched house for a long period of time and i had no source of income to build a good house. the remaining portion was used to buy food as i had no food in the house, i also bought fertilizer, blankets and other basic needs."

"I felt really great knowing that I will have a new house now"

"My two children had huge fee balances and I was worried that they might be discontinued in their studies. Through this transfer, I cleared the outstanding fee balance and they were allowed to continue with their studies. I am at peace now that I have paid for them on time and I have adequate time to prepare for next payment. So far this is the biggest difference in my daily life."

"I am now sleeping on a good place in pevious i was getting sick easily because I was sleeping on the dust"