"I spent my third transfer on relocating and building a house on our own compound as required by Luo traditions and customs.This is something that had been long overdue due to low finances,and I thank GD for making it at last a possibility in my life, I also bought a bag of corn for family consumption, utensils and a wall unit for 8,000 KES to help store the utensils hygienically."

"I spent my third transfer on plastering my 3 roomed house for 38,000 KES which we built using the second transfer since we always lived in a mud house, prone to gaping walls but we did not have money to make a better one until GD supported us."

"I spent my third transfer on making stone blocks to complete the construction of our 6 roomed house , since our previous house was small and not very nice looking, and we always wanted a bigger and better house."

"I spent my third transfer on buying a water pump that hire out to farmers for money. This gives me more income. I also use it to irrigate my farm. The remaining I spent on buying a sub woofer that I use to listen to music."

"By the time I received my third transfer I had a child in school who owed the school a huge amount of fee. I used a larger portion of the third transfer to clear the fee balance so now he has ample time for his studies. My house was too squeezed to fit my large family so I also used part of the money to add one more room and now we have enough space."

"I used part of my third transfer to buy a cow so that I'm able to get milk for consumption. Since all my in-laws have dairy cows I used to get embarrassed whenever my children asked why we are not taking milk tea while their cousins did, but now that I have a cow they are so proud and happy and they are taking good care of it. I opened a business with a portion of the money so now I'm not a housewife anymore and used part of the money to buy school attire for my children so that they go to school looking presentable."

"I spent a portion of my third transfer on plastering my house which was initially very weak since it was made of mud. I also purchased bedding for myself since the ones I had had become so ugly and worn out. Lastly, I constructed an external kitchen to help me in cooking rather than cooking under a tree as was the case before."

"We (my spouse and I) used part of the third transfer on buying furniture because we didn't have any and we could sit on the ground. Since we do not have a house and we are currently staying in a rental house, we bought a few pieces of iron sheets that we have added to the building materials we already have and we have started building our house. We bought bedding so that we could replace our worn out bedding. I also used part of the money to buy an extra pair of school uniform my children."

"My wife is a potter, so she had to carry the pots to the market and given that we stay in a bit of a steep place, carrying the pots on her head was a bit hectic so, I boat a motorcycle that aids her in transporting these pots to the market. At least her work is now is easier. The remaining I spent on paying school fees for my child in secondary school."

"I spent my third transfer on 2 heifers for 27,000 KES and a he-goat for 3,000 KES.I also spent 5,000 KES to boost my charcoal selling business. I had started buying and selling charcoal with part of my second transfer (10,000 KES). I thank GD for support since before this, I had no capital at all and because of this I would from time to time hunt for and buy a tree, use a lot of energy to fell it myself, cut it to smaller logs myself, burn charcoal myself, pack it and then take it to the beach side where I do my sales. I had a lot of burn-out and this also meant that I could not have a steady supply of charcoal since the process would take long, worsened by the fact that I could only afford money for 1 tree at any one given time. Consequently, my income was low thus life was difficult for me. I am very grateful to GD since with part of the grant, I changed my strategy and now I manage to buy charcoal from wholesalers, which is easier on me, with the difference that I have supplies daily, I make more money and save more money. I also save my energy. Before GD, I used to surrender between 400 KES -800 KES as my savings in the Group pool twice a month. From the time GD supported me, I get to save a minimum of 1,500 KES-2,000 KES twice per month, and I know that as the savings get distributed to members in December, I will have a substantial amount of savings for myself. Also, as we talk right now I have 10 bags of unsold charcoal as stock, and a total of 4,500 KES, having surrendered 1,500 KES to my group as savings yesterday."