"My goal is to expand this Mpesa business and include mobile money agent services in the shop such as Equity money, Cooperative bank agent and KCB money."

"When I received my money, I felt so happy that I God had answered my prayer and provided me with money that was going to solve most of my financial needs like my children's fees, and buying building material as I had earlier on planned."

"In the next six months, I expect to begin saving and wisely investing my transfers on business that requires less capital within the college. This will make me an independent person thus I shall no longer rely on my parents any form of support but instead support them in paying school fees for my siblings. I will, therefore, not be of a burden to them."

"Joining teachers college is one aspiration that the transfers fuelled it. I Completed secondary school four years ago with very good grades. I have never had the chance to pursue my dream of becoming a teacher due to the financial situation I have been in for a while now. The transfers will enable me to pay my college fees."

"My life has greatly improved in that, I own livestock and a bicycle which I wouldn't be able to buy alone. In the past, I at times used to cultivate my crops out of season since I had to wait for other people's oxen to finish working for them. This in turn led to poor yields hence my family would starve due to food shortage. In addition, I didn't have a transport means for fetching water, taking my family members to seek medical attention and among others."

"My goal is to acquire and own a stall along Juja road, where I can sell my items. The area along Juja road has good market and will bring me good business."

"My life has greatly changed as I was able to buy my personal farm land which will help in large scale farming and multiple food production. This relieves me from the issue of buying additional food. Initially, I only had one small garden that would not accommodate more than two food crops. This necessitated me to buy more food to feed my family yet it was not easy to make money at the same time."

"My life is better, because this transfer settled all my medical bills. I am now very healthy and strong as this transfer enabled me to seek recommended health services for my self. I'm going to plough my acre in time with my ox which will result to increased yields. Before, I was in pain because we couldn't afford the recommended treatment for my condition(I had a problem with my liver, ulcers and malaria). I did have an acre to cultivate instead I used to cultivate around the compound at the end reduced harvest that couldn't sustain my family."

"My life is different in that I have been in position to acquire a cow as my asset. This cow will act as a means of saving as I can not just keep money in the house. In the long run, it will be my investment when it calves such that in case of any problem I can sell off its calf to cater for the need at that moment. It will also bring in daily income as I will be selling the milk to raise money to sustain the day to day expenses in my family as compared to before when life was really difficult as I had assets and had to just keep toiling in other people's farm lands to raise little income that would sustain my family."

"When I am done with this section of training on hairdressing, I would like to enrol for another advanced course on beauty which includes but not limited to pedicure, manicure and massage. This will give me a wide customer base when I open my own salon/beauty parlour which I plan to do as soon as I get the right training."