"Receiving this money will be a great help to me because I am in a financial crisis. I am a housewife and I depend on my spouse who is a motorcycle taxi. We bought this motorcycle on credit in December. I will use KES 50,000 to clear the loan. I have also desired to invest in goat farming because goats survive best in dry seasons. I intend to start with 10 goats for KES 30000. The remaining amount will cater to other household expenses like food."

"Receiving this money means a more comfortable lifestyle in terms of meeting basic needs. At the moment, I operate a motorbike transport that gives me KES 2000 per week, this goes to catering basic needs like food and school needs for our son in primary school. We have been planning to have a source of income to ease these burdens but capital limits us. With this money, we plan to use KES 40,000 which we approximate to give us five liters a day. This will help earn us an income as well as provide milk for domestic use so we do not have to buy it. For the rest of the amount, we plan to build a new kitchen, the one we have is leaking and very small." (Occupation: Motorcycle or bicycle taxi)

"I work as a transporter of charcoal from the village to Mariakani. That is what earns me my daily bread. The main challenge I face in this job is the frequent breakdown of my motorcycle. My motorbike is very old and its repair is very expensive. When it is grounded, I get no income hence being unable to provide my family with the basic needs."

"I am a motorcycle rider and at the same a livestock farmer. All my cattle died last year due to the drought we experienced in our region. Receiving this money would mean I start afresh my livestock farming where by I plan to buy 6 goats in three years time with a total cost of 16,000 KES. I am also planning to start a grocery at the trading centre where my wife will be operating as I do other casual jobs to fend for my family of three. Through all these investments I believe my family will have stable sources of income to cater for the daily needs such as food, health care and clothes. Some of the monthly transfer will be spent on the family's daily upkeep." (Occupation: Motorcycle or bicycle taxi)

"I am a grade 8 leaver and since I got married two years ago I have been yearning to get a skill which would enable me to look for self employment but since my husband who is a motorcycle rider could not afford to take me to college. Upon receiving this money, I plan to enrol in a tailoring school where I will pursue a two year course. I will spend 48000 KES in this training. After completion, I will save some amount to buy a tailoring machine which I believe will go along way in being a source of income for my family of two. I will also spend 5000 KES to buy two goats and the rest of the money will be spent on food for the family."

"Relying on my husband's motorcycle riding occupation has proven difficult and no longer sustainable. My desire is to diversify my household's financial sources and I will do so by using KES 20,000 to starts a chicken rearing business in the village. There is a ready market from the hotels in the neighbouring towns and I foresee handsome profits. I will use the balance to buy goats for domestic rearing."

"Lack of money to sustain my family is the biggest challenge I am facing currently. The motorcycle riding occupation I engage in is no longer sustainable because I am yet to get a licence and this has limited me in the places I can cover as I ferry passengers from one place to the other." (Occupation: Motorcycle or bicycle taxi)

"My goal is to support my children's education by expanding my business. I own a small business, selling motorcycle spare parts in the locality. With the high rate of motorcycle taxi operators, the demand for spare parts increases day by day. I want to tap into this opportunity by expanding my business. I want to ensure that every spare part will be readily available for my customers. The expansion will cost me approximately 20,000 KES. From a profit of 5,000 KES, I will be making 10,000 KES a month. This amount will be very vital in the academic life of my 5 children."

"I am struggling to pay school fees for my seven children in school. What pains me the most is that my firstborn son is in form four and financially I am strained. I vend charcoal for a living and in a month I earn 1000 KES, my husband who is a motorcycle driver earns 8000 KES a month, almost all the money he earns goes to pay off the motorcycle he bought for hire purchase. Days my children are out of school for arrears are more than the days they are in school. I desire to see them in school always so that they are on par with their peers."

"I am so delighted knowing that in a couple of months once I start receiving these transfers I will get some aid in paying off the motorcycle I took on hire purchase. I pay the company 2000 KES every week and it has been a hustle. I am required to clear the balance by next year's June and with, the transfer I am guaranteed that at least once a week I will be able to pay them with ease. My next course of action once I am done with the above, I will build a two-roomed house. I would love to have a big modern house where I can live comfortably with my children. I have a budget of around 90000 KES. I know this is doable since my two wives will be receiving this money. We will do this together." (Occupation: Motorcycle or bicycle taxi)