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

"Life was going on smoothly until my husband's contract was terminated.He used to work in the Kenyan military.He came back home and became very desperate since he was stressed and had nothing to do.Being the first wife I had to step up and support the family.Its been 16 years now since my husband left the military and meeting the basic needs and school fees has been hard.I had a small shop which ran out of stock due to lack of money."

"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."

"Receiving this money will indeed liberate my family from the abject state of poverty that we have been forced to live in for so many years due to lack of adequate finances to improve our difficult situation. I plan to invest my transfer in livestock trade business since I understand it very well owning to the many years of experience that I have garnered while selling for others in our village. It is a very profitable venture in our region since many people lead a pastoralist kind of life thus my market is assured. With the remaining part of the transfer, I will set up a general shop business for my wife within Bandari center and hrough our combined efforts, I am certain that we will be able to generate sufficient income to educate,feed and even build a better shelter for our children."

"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."

"I shall purchase a cow for milk with this transfers."

"The biggest hardship I face is lack of enough money for buying animals especially oxen. The oxen will be helping me in cultivation purposes. "