"My expectation in the near future is to grow financially by investing more in farming. I want to improve my poultry project by adding more chicken. I also have a plan of buying a sheep for rearing. All these are all aimed at improving my lifestyle and to get to a position where I can be of help to my relatives or any person who may need my help."

"After completing high school, my biggest dream was to further my studies and pursue a course in engineering, but this was not possible as my parents could not raise the required fees due to their lack of stable income. After I joined the program and received my first transfer, I decided to fulfil my dream by joining college and using my transfers to pay my fees. All the money I recently received was used to pay the college fees so that I could have only a little balance that would be manageable for my parents."

"I spent my recent transfers to boost my business of selling clothes. I felt this was the best business since no one was doing it yet the demand was very high. I used part of of it to pay school fees for my children. I finally saved the remaining amount because I know it will come in handy in future especially when an emergency arises"

"I spent my recent transfer to restock my shoes business 3000 KES . This was a booster to my business to my business since the sales had gone down. I also added my saving to the remaining amount and paid my house rental on time. Rent has been a burden on my side to an extent that I had to talk to my landlord to pay in bits. The money really helped me to pay this months ."

"I spent part of my recent transfer to restock in my retail shop business. This business is my only source of income and increasing its stock means an addition of my daily profits that its very important to the growth of my entire business . I added part of my savings to the remaining amount and paid my house rent."

"My life is better now because I have plastered my house that used to be dusty, I bought an ox and a ox plough to facilitate ploughing and I have already secured my child's school fees for next year first term. Before, I borrowed oxen and hired some times when I had money. I was not sure of my child's continuity with education due to lack of money."

"My life is different now, I have cleared my children's school fees, bought land and household items like a bed, mattresses, utensils which I did not have before. If I had not got the money, my children would have been sent out of school for fees."

"My life is good now, I am relaxed and I feel respected because my home is beautiful after I constructed an iron roofed house. Previously , I suffered because I had to look for grass which was scarse for my hut. I was sleeping together with my six children in a very small room."

"I feel better now, the money enabled me to get treatment which I could not afford before. I have bought a cow and there is hope of me completing the house construction. Before I got money, I was struggling with sickness and the construction was at stand still."

"My life has changed in that I was able to get a motorcycle that is supporting my family needs. Prior to getting this transfer as a young couple, we always struggled to make ends meet since we had to work in people's farms to raise money or in exchange for food."