"I spent my third transfer on completion of building our 4 room house for 47,000 KES . We started itusing the second transfer. Our previous house was grass-thatched and had started leaking , so this was a priority."

"I spent third transfer on secondary school fee arrears for 15,000 KES to keep our child in class, and started a small scale business selling dry corn for 15,000 KES to sustain my family. The balance I spent on plastering our 2 room house to make it more presentable and durable. It construction was started using second transfer."

"The monent I received the money I was very overjoyed and very happy because I was overburdened with debts."

"I spent my third transfer on buying a second hand motor cycle for 53,000 KES( I had saved 6,000 KES from second transfer). My plan was to start a business , ferrying fish from the Lake and bringing home for processing and sale.However, I am yet to raise the capital for fish business. Otherwise the motor cycle supports me in travelling to the far off places whenever I get plastering work, and this way I save the amount that I would otherwise spend as fare."

"I spent my third transfer on University fee for my child who is a Business Administration student to enable him learn consistently."

"I spent my third transfer on an oxen for the purpose of land preparation (in partnership with neighbours ox) , as well as 2 heifers that my family plans to raise and ultimately multiply."

"I spent my third transfer on plastering our old 3 room house and finishing with steel door and windows for 47,000 KES since we badly needed a better house."

"I spent my third transfer on ploughing , 4 kg of hybrid maize seeds for 1.5 acre of land for 10,000 KES to improve my yield, but there ws infestation of army worms and therefore no harvest.I spent the rest on secondary school fee for our child to enable consistent learning,and the balance on a bag of dry corn and assorted food items for my family."

"I spent the whole of my third transfer to buy motorcycle as means of transport where my spouse use to transport people from one place to another to get our income."

"I spent most of my third transfer to buy building materials and build for my children where they spent their night since they were sleeping in was almost collapsing down and this very risky."