"My top concern is my health because being sick I will be unable to provide for my basic needs. Nowadays there are so many lifestyle diseases because of the food we take and this can lead to financial constraints making my life difficult. I may be unable to work which may cut down my ambitions of being a successful businessman in future. I am also concerned about gang violence and crime in my area. Opening a new business is a challenge because it can become a target of criminals. I may lose money or goods or even risk losing my life."

"My first priority is to go back to school and have a course as a mason. I work on construction sites and I would want to acquire masonry skills because its marketable due to devolution in our country and infrastructural developments in county governments. I will also open a hardware shop in my neighborhood because there is none. The demand of equipments for construction is high and is profitable. I will also furnish my house because the furniture's I have are old and worn out."

"My first priority is to stop Hawking in Thika super highway where I sell sweets and refreshments to motorists. I will expand my business by opening a shop in Ngara where there are many offices and no shops that sell sweets and refreshments. My second priority is to go back to school. I dropped in primary level because I felt I wasn't good in class. I have come to realise the importance of education to acquire knowledge by joining part time special classes. I will also invest in boda boda business by buying a motorcycle. I will employ someone and this will guarantee daily income because they are convenient and many people prefer to use them. This will help supplement my income because they are profitable."

"Currently am doing hairdressing and i would want to expand this business since it's my main source of income. I would also want to open a new business of an Mpesa shop for it has always been on my mind for a while now. Thirdly i would want to save money so as to sustain these two businesses of mine for stability."

"I was so excited the moment I received my money. This was triggered by the fact that I knew that I am soon going to acquire the items I need to start a saloon business."

"I used to sell clothes and due to lack of enough money when my mom got sick I had to use all my savings for her health,and now since have got this cash I will restart my business. Right now my wife is expectant so am planning to use this money for her medical bills. Finally I Will buy house equipment since my house is not well furnished."

"I have no house back at home and I wish to construct one with the next transfer, at least to take away the shame of living in the city yet having nothing to show for it. I also plan to start a shop business for my wife so that she can also have her own source of income and assist with the family responsibilities. This will be quite helpful because the casual jobs that I mostly rely on are very irregular and unreliable."

"The moment I received the money I felt so happy because I knew I would be able to buy a dairy cow and complete the house that was under construction."

"I'm very happy though a widow, my heart is so relaxed as compared to the olden days. In a few weeks people will marvel at the wonderful face of my house."

"I spent 10200 KES to buy iron sheets since whenever I visit home, I usually go and sleep at my friend's house. I have not been comfortable with this act. My parents have also been pressuring me to build my own house since they also not happy with the idea of me sleeping at my friend's house. I saved the remaining amount which I am planning to use them to buy nails and timber to use in building my house."