"I spent my third transfer on extending my old house and plastering the outer walls , especially to protect the walls against being washed off when it rains. Two, I spent the balance on sinking a pit latrine to improve on our sanitation situation."

"I spent my third transfer on buying an ox for 20,000 KES to support ploughing since my family is engaged in farming and livestock keeping and as such it was more appropriate to buy an oxen.I also paid secondary school fee for our child to support his consistent learning, and the balance I spent on assorted food and miscellaneous expenses."

"I spent my third transfer on completion of building and plastering of a two room house for 34,000 KES since I lived in a grass-thatched house where it rained on me thoroughly at night during rainy seasons.I believe proper shelter is of paramount importance so this was my priority number one. I also bought bedding and family clothing."

"I spent my third transfer on 2 heifers for 32,000 KES because I want to be a livestock farmer as this is a good investment. I gave my husband the balance, who removed his shame and fulfilled a traditional requirement by paying bride price to my parents, and these days all the parties involved are at peace."

"I spent my third transfer on completion of house construction as this was a dire need as we did not have a house of our own and lived in my brother in law's house since he is away. I then paid secondary school fee for our child at 10,000 KES , restocked my business for 10,000 KES and it is improving and finally also bought a bag of dry corn for family consumption."

"I spent my third transfer on building a three room house for 100,000 KES(had saved the entire second transfer for this purpose). This is because housing was an urgent need since I never used to have a house of my own and lived in my estranged co-wife's house, and always felt insecure due to the possibility of her return and re-union with our husband and in which case I was to be left house-less . Thank you"

"The moment i received my money I felt very happy."

"I spent most of my third transfer to plaster my house since it was very dusty and this was not good health wise for my family, l also spent the transfer to buy furniture being that I did not have furniture l was only sitting on a mart."

"I spent most of my third transfer to buy two dairy cow for my future use as l will not spent money to buy milk from the neighbors, the remaining balance l spent to buy two sacks of maize for my consumption and uniform for my children."

"I spent my third transfer on purchase of a Power Saw machine for splitting timber for 80,000 KES. Before then, my husband did the business using a hired Power Saw where he would pay 2,000 KES per day, the challenge being sometimes he would go without for even 4 days in a row, and still had to raise money for the hire. And often times he made around 1,500 KES yet needed to pay hire fee and feed us, and life was difficult. Our living standard has improved since we acquired our own machine for the business. We plan to save and start a Glass mart/ Hardware shop since these days there is high competition in the industry. From the business proceeds, we plan to build a better house for the family early 2018."