"Now that I am aging , I want to reduce the amount of work I am doing by ensuring that I have enough money to pay someone to help me do the farm chores. I expect to stay healthy and have enough and healthy food and to live in a good house."

"Food insecurity is our biggest hurdle and this is because the weather here is unfavourable thus affecting crop production. Last year we got very little harvest due to low rainfall and we now have to dig deep into our pockets to buy food from the shops. Being a casual worker with an income of not more than 2000 shillings every month, buying enough food to satisfy my family of six on a daily basis is no easy task, most times, we can only afford one or two meals in a day."

"My current life is totally different compared to the former life. Before, we were living in a high rate of poverty and nobody could think that there would be a day when I shall stop working on sugarcane plantation in order to get our daily bread. We had no livestock, because culturally, a Man's wealth could be evaluated in terms of the number of livestock he possess. We could not afford planting sugarcane, because the production cost was high and we owned no land as a family. Now I have managed to lease two acres of on which I have planted sugarcane."

"I spent the first transfer on buying goats at KES 10,000, I bought a motorcycle on loan and made the first payment of KES 20,000 and the rest went towards buying my mothers households goods, fare home and other investments that I made with the transfer Include using KES 30,000 to lease the land back in my rural home . This money went towards tilling, labour and buying of seeds for the various vegetables that I have already planted."

"At the moment I like analysing business plans before implementing them. With the group that we formed and received the transfers we usually sit and discuss business I deas. Before receiving the transfers we were only focusing on small business ideas since we did not have enough capital. We are really dreaming big. At the moment I am aiming at starting a cyber and photocopy business. I am quite certain of its viability. We have critically analysed market trends together with my friends. I also learned digital marketing courtesy of the transfers. The knowledge that I got is going to help me run my business well.I really dream big and the thought of a brighter future give3s me joy and happiness."

"That moment I received this transfer I was so overjoyed. I kneeled down and prayed first because my hurt was beating so fast, then I hurriedly went to the nearby market to buy iron sheets for the house. I was so anxious to acquire items I have never held in my life. That was the biggest and happiest day of my life."

"I expect my life to change drastically in the next six months. This is because I trust my shop project will be running smoothly. Accordingly, I will be enjoying a higher income since I will be operating my shop and doing farming simultaneously. Still, I will be more confident that I can afford to pay school fees for my children following the increased income."

"In the next six months, I expect my life to change a lot. This is because I will be fully self-employed as a shopkeeper. I will no longer be handling casual work. Accordingly, I will be enjoying lots of freedom, rest, and income. As a result, I will be leading a better life with lots of confidence that I can comfortably provide for my family and educate my children. Moreover, I will be having more time and energy to spend with my family."

"In the next six months, I plan to pay school fees for my children. I would want to play my part as a father. I feel very happy when my children are happy. I do not like the condition in which I was in when my children would go for casual work to help me raise money to pay school fees. This was embarrassing hence I would not want that to happen anymore."

"I expect my life to change in the next six months in that I will have bought bulls. I will no longer hire people to work for me but Instead, I will use my bulls to till my pieces of land and other peoples' land so as to earn a living. I hope I will get healthy and strong bulls that will last longer and work efficiently."