"I spent the larger part of my third transfer on cementing my house into a semi- permanent house from a mud one, now I no longer incur frequent cost of maintaining the previous mud house and being infested with insect hence predisposed with respiratory diseases has seized.I fixed two steel windows and fascia board .I also added stock onto my fingerling business and now I am able to save for my family's future developments because my daily income has double."

"I spent my third transfer on restoring my tailoring business that had collapsed by buying African fabric ,this situation made me to be a house wife for a while and now through the profits I have been able to buy a cow , two goats and paid school fees for my chu. I also bought three bags of beans to start a cereal business as well."

"I can now rest from ploughing my big farm with a hand hoe, as I bought cows which helps me in farming."

"I have made a big stride in my life as I was able to hire an ox plough to plough my land in a day.This relieved my family the burden of ploughing with their hands which was very tiring."

"Receiving this money means completing my iron roof house by plastering it's floor and walls with cement.This will make my house look good and nice. I intend to also buy household items like chairs, beddings and bed sheets."

"I started clothes business from which I earn a daily living.its better than the back breaking casual jobs that I used to do previously. "

"I spent my third transfer on Secondary school fee for my child (14,000 KES) to support his consistent learning, restocked my cereals business (14,000 KES) and also repaid some debts that I had (16,000 KES) incurred earlier."

"I used a portion of my third transfer to buy timber which I have used to build a bigger house because I was living in a very small house which was not very comfortable, I paid laborers who were building my new house. I bought sofa set because I did not have seats in my house, I bought water tank to help me store water since we walk long distance looking for water. The remaining amount, I spent on food for my family and also bought decent clothes for my children."

"Two days after I received my transfer I got news from daughters school that she was ill so most of the transfer took care of the hospital bill which had piled because she had surgery."

"I used most of my third transfer to buy cattle with a main purpose of reselling them in the future to pay school fees for my children. I sent my mother some amount for her upkeep and the remaining amount, I spent on daily expenditure in my house."