"I have bought a bull cow for ploughing my farm and repaired my house permanently. These are new goals I never had before receiving transfers."

"Yes, my new goal is educating my children further."

"I have now a new goal of educating my children and having a water tank in my home."

"I bought nails 5100 KES, iron sheets 13200 KES, nails 2200 KES, timber paid 5000 KES a debt of 1700 KES, spent 10000 KES to pay dowry and am left with 7000 KES."

"I used to do business with my loans but now I am using my own capital. My children are also learning comfortably without being sent home for fees."

"The biggest hardship we are facing currently is on making ends meet, my small vegetables business is not making much profit to sustain my big family."

"The biggest hardship we are facing currently is on making ends meet and on paying school fees for our children, the motorcycle my husband uses for the taxi business is not his and most of the profits goes to the owner leaving him with little to bring home."

"The achievement we're proudest of is having been able to save some cash and bought one sheep which to date has given birth to others and are now six in number."

"The biggest hardship we're faced with currently on paying huge school fees for our children.The only source of income is farming which due to drought has not been doing well."

"The achievement I'm proudest of is having been able to build my current house, we used to stay in a very small house with the all family and was very uncomfortable. "