"The biggest hardship that I am faced with is sickness. I am sick most of the time and as such, the little money that I get is all spent on medical bills. "

"My plan is to use the transfers for starting a bookshop or selling clothes. This will enable raise money to sustain my family."

"Receiving this money means to build a permanent iron-roofed house for my family. "

"My life has had a change because my kids now go to school without so much hustles. I am also capable of rearing my livestock because I recently added around two cows which I bought using the transfers."

"I think GD should improve on the supervision so that people do not have an opportunity to misuse the transfers. Currently the monitoring procedures for the organization is quite wanting."

"My life is now different in that I can now comfortably support my family financially and I can also pay school fees with ease from my business that is doing well of late."

"In the next six months, I will have bought a dairy cow and will also have leased another piece of land to add to what I currently cultivate. This two will be additional sources of income to what I currently have."

"In the next six months, I expect to be living in a better place because I will have plastered my house. This will be a big relief on my side as I will no longer have to worry about the constant repairs and renovations that I am currently facing."

"After I am done clearing the loan, I will save the remaining bits of the transfers so that I can buy a goat that will be a long term investment of these tranfers."

"I have stayed in Nairobi for more than 5years now. During December holidays most people always travel back to their rural homes to spend time with their families but that has not been the case for my family. Back at home, my husband has not yet built a house. This has been a serious problem, my children do not know their grandparents and they keep on asking why we do not travel home like other families. So when I received my recent transfer, I sent my brother-in-law some amount to facilitate the purchase of iron sheets. I am planning to start the construction of my house, this means at the end of this year we will travel home and spend the holidays with family. Besides that, I also bought a new high-density mattress since the one I had was old and uncomfortable. The remaining amount I bought a cupboard to help me keep my glasses. Initially, I used to store them under my bed."