"My short-term goal is to save money since now I have cleared my children's arrears. If I can save $0.2 daily on a Sacco I will be able to get a loan once the school fee is needed. But at this point, I am happy that the arrears are cleared."

"I would like to open a grocery shop business. My husband has a farm and I plan to cultivate it this year, plant vegetables such as spinach, okra, and legumes, and sell them at the market."

"I spent my second transfer to buy a secondhand motorbike for $260. The business has been thriving, and every day I get at least $10 that helps me buy food for my family. Before the transfer, I was doing casual jobs that did not pay well, sometime we could sleep hungry because my wife and I had no jobs and could not support the household. I have a small family, one child that is still not in school which helps me save. My wife is a stay-at-home wife which sometimes gets me overwhelmed because I pay all the bills in the house but I am planning to open a business for her soon. The income from the motorbike business helps me buy food for the family and save for emergencies."

"I was relaxing under my shade out side the house after taking my drugs. For a year, I have been struggling with ears and sight problem. It was around 5 pm when I heard joyful noise from neighbors that they had receive the transfers. I gave the phone to helper who confirmed that I had received the transfer. I was delighted for receiving the transfer and thank the organization for the aid since was sure that our life would change for the better."

"My poultry farm, which had more than 67 hens, failed at the end of last year. A strange illness that affected the hens caused them all to die. My attempts to save the situation were unsuccessful because all of the hens passed away within a two-week period. This year, I want to dedicate all of my time and effort to raising livestock, such as goats. I want to build up a sizable flock of goats by the end of the year, which will increase my initial investment. The choice of livestock is influenced by the severe weather we are currently having as well as the accessibility of medications that can be given to the animals in the event that a disease outbreak occurs. I'm crossing my fingers that this will work out as I search for a reliable source of income to support my family."

"My long-term objective has been to increase our household income so that we can give our kids the ideal possible life. My parents passed away before I could finish my secondary education, thus there was no one to pay for my college expenses. I have so far purchased 25 hens that I am raising as a form of future investment in order to make sure that my kids have the best possible education. For the next three months, as I have not yet attained my aim, I'm going to buy more of them. In addition, I joined a savings group wherein the fifteen of us each save $2 per month and alternately distribute it to one person each month. I do buy a goat for rearing every time I get my shares, and I still intend to keep saving and buy more goats whenever I get transfers for the next three months. They multiply every year, enhancing their profitability. The addition of the goats to the hens is a wise investment, and I'm hoping that the money I'll generate from them will allow me to easily meet my children's needs, particularly their educational needs."