"Having our own cow which has already calved down and now producing enough milk was our dream. That is what we ensured that we obtained once we received the transfers. we are no longer buying milk nor taking black tea as we used to do in some months ago because we produce enough milk to use and even sell some to the neighbors. This I can say is the biggest difference in our daily life."

"The moment I received a message notification to my phone I checked its and surprisingly it was confirmation message that I had received money from GD. I felt so happy as at that moment as I had no money. My children had been sent home for school fees but when I received it I considered my problems solved."

"In the next six month l expect to have sold some cattle and spend the to start small scale business."

"I am planning to revive my shop business which collapsed few years ago.It will be a retail shop as well as a groceries shop.I want to tap the business opportunity since we do not have a well stocked shop in this village."

"In the next six months, I will have invested in large scale farming. I have never done this before so I believe my life will change greatly if all goes well. At least I will be sure of food security. In case there will be extra sacks to be sold. I will store them and wait for the right season, a time when they will be demand in order to get a higher profit."

"In the next six months, I will have paid dowry. I will now be respected by my parents in law. I always avoided meeting them because I had never accomplished this goal. Since it is a taboo to meet your parents before paying dowry, I will make sure that I finish this process just to make us be free with each other. To me this will be my biggest achievement. It will be a dream come true."

" Financial constraint is the biggest hardship that I face in life. Ever since I settled down and started my family, I have been struggling to make ends meet through doing all sorts of odd jobs but to no avail. I even moved my family from Mombasa where we used to live and relocated all of us back to the village thinking that life would be a bit easier back home but I still find myself struggling to provide food everyday for my children and even pay their fees consistently. Farming that used to save the situation has also been affected by lack of rains thus making our situation to be so deplorable. It really pains me as a parent to see my children not living the kind of life that I had always wanted for them simply because I do not have a stable job to earn me good income. "

"I expect in the next six month to have saved enough money that I shall use to expand my house. I believe with this expansion my family and I would have family dinners together comfortably hence it will bond our relationship more."

"I plan to save and venture into poultry farming to help in earning some income for me and my family. I am looking into buying a laptop to start up online writing. These two ways of earning income will enable me to generate more money to use in paying off the loan."

"I expect my life to change in the next six months in that I shall have saved money and use it to start a cereal business to make an extra income. I believe from the extra income I will have ease in paying school fees for my children hence they will no longer stay home for a long period of time due to school arrears and also their performance in school will be good."