"The biggest difference in my life is that I am debt free after paying off the loan. Previously my plot of land had been attached as collateral to that loan. I am glad that I have reclaimed it and I will be in position to cultivate freely."

"I plan to sell some of my chicken in December so that I can raise money to start up a business. In the next six months, I expect to have started a business and hopefully I will be earning a good income from it. This, I am sure shall improve my living standards by a great extent."

"Receiving this transfer means a lot to me. I believe after I harvest the onions I will put together with my next transfers and start up a business. I am thinking of boutique since the market within my locality is high and this will give me a great opportunity to sell clothes. This will enable me to have a sustainable source of income."

"Since I was a little boy, I have been faced with hard life situations and I know what it means to lack and to have. My desire has been to have a family, but it has not been possible because I don't have any resource under my name. Every time I approach a girl, I'm faced with rejections -because in our culture, bride price is very crucial, and you cannot marry someone's daughter without it. Therefore, receiving this money will enable me to put up a more conducive house, and ultimately be able to achieve my dream of having a wife. Accordingly, I will use part of my transfers to purchase livestock, which I will, in turn, use to pay pride price once they multiply. A family is a source of inspiration to any man, and that is what this transfers means to me."

"My biggest plan with this money is to invest in a goat raring business. Indigenous goats are most valued here due to their high breeding rate and low susceptibility to pest and disease infestation. Apart from that, they are less labor-intensive making them the most sort after as far as livestock raising is concerned. Therefore, I intend to start off with around 20 goats, which will cost roughly ksh 50000. Having this will solve the problems that come with depending on low paying jobs. Am certain, in less than 2 years, they will have doubled in number, and that means financial stability. For the remaining part of the transfers, half of it will cover educational needs and other necessities of the household while the other will be a capital for a small business. "

"Lack of adequate finances has been the biggest hardship in life. At the moment, we survive on the husband's daily wage, which is hardly enough to meet our needs - ranging from food, education to other basic necessities. This has made it almost difficult to venture in any meaningful income-generating activity, - raising the required capital. Like for my case, for instance, it has been extremely hard to save enough money to purchase a sewing machine after completing a tailoring course 4 years ago. As a result, it has made me fully dependant on him, and for me to do anything, I have to wait for him to send money, something that has made us lag behind in developments."

"In the next six months l expect to continue receiving money from give directly and spending the money to buy food stuffs and eat a well balanced diet."

"Initially I depended on casual labour to supplement what I get from my farm but due to my age this is no longer possible.I am not strong enough to do casual jobs and also to work in my farm.This has limited my income which in turn has made me struggle in getting basic needs like food."

"My expectation in the next six months is to focus on my cattle rearing and improve my poultry farm. I want to ensure that I meet most of my client's demand. I also want to ensure that I have at least two stable sources of income so that I don't get stranded in case I get a low season of either of the products"

"In the next six months, we shall have accumulated enough money to buy a dairy cow. The dairy cow shall bring great relief to us as a family especially on the cost of buying milk which has proven to be so costly to us."