"I spent y third transfer on Secondary school fee for my daughter for 10,000 KES.I spent the balance on plastering my three room house whose extension I carried out using my second transfer since as a widow, proper shelter has been an issue to me."

"My new goals is to buy a sheep and do more farming.i will use the money i get to prepare land to plant beans in April so that i can have an early harvest."

"My life is currently different because I have a monthly income. Earlier I was stressed due to uncertainty of business yet I have a big family. The funds have really given me relief because I am taking care of some orphans. I am assured that we will always have food and the basics of life."

"I have a new goal to ensure that in some days coming we will be having a cow through a started family joint group where my husband and I will be members and our agenda being that we will be buying one cow after the other all round the family members."

"My mindset and confidence has greatly changed, right now i am thinking of getting a loan to purchase a cow. Previously i was too afraid to get alone because i din't have a regular source of income."

"My life currently is different in that I don't worry too much.I am now with my family since this transfers has helped to be close to them because I used to travel to far towns to look for jobs which at the end of it transport took almost half of my earnings.My health was also not good since I was not eating well and over working too much but now am healthy and happy to be home all the times."

"I expect my life to change since when its my turn at merry go round group, I will use the money I get to expand my business thus increasing my daily profit."

"Currently my life is life is quite different in that my wife can get water for use easily. Unlike before she had no time to do other jobs but presently ,am happy about her as she can have some time to work in the garden and we expect to have food from the garden."

"I expect life to change to be better in the next six months because by then i will b having a new house and my family will be well accommodated. Also, since i plan to plant cabbage, I will have an extra income in my pocket which will enable me improve my life and the lives of my family hence be in the same position with other members of my village."

"In the next six months i would have improved my poultry and vegetable farm."