"Receiving this money is going to help me to raise the capital for my business of selling foot wear and vegetable seeds ."

"Receiving money is means of managing my self to buy oxygen and ox-plough to improve family farming."

"The biggest hardship we face is lack of enough land for farming because having one garden is not enough since you want to plant variety of crops ."

"The biggest challenge which i always face is sicking. When I fall sick getting money for treatment becomes a very big problem since am a widow. "

"Receiving this money means i will be helped. I will be able to pay school fees for my children, complete the construction of my house so that children can also occupy their own rooms."

"The biggest hardship i am faced with is lack of money. In many instances, i do not have enough money to pay my children's school fees and this has always forced me to get loans from my village saving groups which is also expensive because it requires interest."

"I spent my third transfer on buying two oxen which assist me in cultivate in cultivating hence I no longer practice labor exchange as I used .I bought a solar lamp .I also bought a bag of maize for my family's consumption and household expenditures as well."

"The moment i received the mobile money on my phone, i became so happy. I took a deep breath. Being a learnt person, i just kept the happiness inside my heart and behaved like some one who did not get money for security reasons."

"I spent the larger part of my third transfer on buying a she-cow 20,000 KES and now I have a reliable asset since when it reproduces young ones I might sell some them as emergency cases arises .I also bought a sofa set seat 8,500 KES and a table 3,000 KES. I bought a bag of maize and household utensils which I used to borrow from neighbors .I also bought my clothes and my husbands ."

"I spent my third transfer on cementing my house and now I no longer incur frequent cost of smearing my previous mud house which needed often maintenance .I bought she-cow and a steel sofa set seat . I bought food for my family's consumption and two school uniforms.I also school fees for my two children who are in primary."