"I was very excited. I sat down and planned on how to spend the cash transfers considering that I had a lot priorities."

"The mobile money message was sent early in the morning. My spouse woke me up and conveyed the good news to me. At that moment, I felt very happy. We made plans on how to spend the cash transfer."

"I ululated the moment I received the transfer, I felt happy and excited because I got money to implement the plans that I had."

"In the next six months, I expect my life to have changed in that we shall have a tea plantation in the piece of land that we have already bought. The tea plantation is a long term plan that will enable us meet other basic and fundamental family expenses like paying school fees for our children in future. Tea is one of the most lucrative form of cash crop in our place and we are really looking forward to having one within the next six months."

"My life has changed because I acquired an ox for ploughing my farm land. I am very happy because soon my workload will reduce after adding more oxen with the second transfer. In the past, I hired from other community members. Secondly, I now sleep comfortably."

"The moment I received the transfer I felt very happy in my heart and I waited patiently to go and withdraw the transfers."

"In the next six months, I expect that my life shall have changed for the better in that I shall have bought an additional dairy cow and hopefully start building a new and improved house for my family. We are currently staying in a small grass thatched house that is mud walled and we are looking forward to having an improved one soon. We also have plans of buying an additional dairy cow that will improve the living standards of my family in the long run. This, I am sure shall be done in the next six months if all goes well with our plans."

"The moment the mobile money message reached my phone, my husband told me that the money was in the phone. I did not believe him since I am illiterate but when another community member came ululating because he got the money too. I believed my husband and I became so happy."

"My life has improved because I bought oxen which will enable me to farm on time as opposed to when I used to first do casual labour in order to hire other people's oxen. In addition, my children now sleep on a mattress."

"When I read the mobile money message on my phone, I was overwhelmed with joy that day."