"In the coming years, I want to expand my business with the money I receive from my transfer. By growing my business, I will have more income to support my family. Once I start earning, I plan to invest in farming as well, which will provide us with food and additional income. Farming will help us become more self-sufficient and secure. I believe this combination will improve our lives and ensure my children have a better future. Ultimately, I want to create a stable life for my family and give them opportunities I didn’t have."

"My husband works as a tour guide, it's our main source of income. Ever since after the COVID-19 pandemic the tourism sector was hit. Additionally, in recent years Lake Baringo has been expanding submerging most of the hotels which host tourists. This has made our household income low, we're not able to educate our children or provide good living conditions. I have a daughter who completed secondary education two years ago and has not been able to join college due to lack of funds. It worries me a lot seeing our daughter at home not being able to pursue her dream of being a nurse." (Occupation: Small business)

"I have no option other than to relocate because where I live is prone to flooding. My plan is to buy a piece of land away from the floods so that I can have a safe place to live and work. Once I have my new land, I will open a business there to support myself and my family. This change will allow me to continue with my life without the constant worry of losing everything to water. I believe that having a stable location will help me focus on building a better future. In the coming years, I want to create a secure environment for my children and ensure they have the opportunities they deserve." (Occupation: Small business)

"In the coming years, I plan to open a business shop right at home so that I can earn profit without needing to go elsewhere. This will allow me to focus on growing the business steadily while staying close to my family. Alongside the shop, I want to continue farming, as it will support us with food and extra income. I believe this combination will not only improve our lives but also help secure a brighter future for my children by supporting their education. With the shop and farm together, we’ll have more stability and fewer financial worries. My goal is to create a strong foundation that will sustain us for years to come."

"I am planning to open a kiosk using my final transfer, as I believe it will provide a crucial alternative income source for my family. This year has been a stark reminder of how unpredictable life can be; we lost our entire crop to floods, which severely impacted our finances. By starting this business, I aim to diversify our income, ensuring that we are not solely reliant on crop farming. I envision the kiosk not just as a source of income, but also as a way to serve my community by providing essential goods that they need daily. Ultimately, this venture will help create a more stable future for my family."

"Even though I have done a course in catering, I have been unable to secure a job and this has made our lives difficult. Since the year 2019 after college, I have been unemployed and I opted for construction work as a casual laborer. After working working for 2 years, I got injured on the site and again changed to fishing. Many people in our area have ventured into fishing making it less lucrative. The returns from it unpredictable depending on the number of fish you get in a day. One can get up to KES 200 a day but on average, it is approximately KES 400. The cash is inadequate to cater to a family of 4; one is a school going child." (Occupation: Small business)

"Currently because of my old age I'm facing a lot of challenges. One of the main challenges I'm facing is getting money to provide for my family since I don't have enough energy to do casual work. I have been forced to sell part of my livestock in order to provide for them and also pay school fees for my granddaughter Jepchirchir." (Occupation: Small business)

"Next year, my husband and I are planning to lease a piece of land so we can start farming. We’ve been thinking about it for a while, and now seems like the right time. We want to focus on green peas and maize. You see, this is a farming region, and green peas are great because they’re drought-resistant. Even if the rains don’t come as expected, we’ll still have a chance at a decent crop. We’re waiting on one last transfer, and once that comes through, we’ll use the money to set everything up for the venture. We’re really hopeful that the harvest will be good. If things go well, we want to use the profits to open a small business. That way, we can stay independent and sustain ourselves without having to rely on anyone else. It’s a dream we’ve had for a while, and we’re ready to make it happen."

"I've been living in a grass-thatched house for years, but my dream has always been to have an iron-roofed house. To make this dream a reality, I've been setting aside a portion of my monthly income to gradually purchase building materials. So far, I've managed to acquire 22 iron sheets and some building poles, and I'm hopeful that I can begin construction soon. My primary focus is achieving this goal, as an iron-roofed house will provide much-needed protection from the rains, which have been a constant challenge in my current home. I plan to continue saving to buy the remaining building poles, timber, and nails, as well as to cover labor costs. Alongside this, I am also using part of my transfer to boost on my poultry and goat business , which will support me in finishing up the building work and achieving a more secure future."

"My goal is to revive my restaurant, where I used to serve a variety of dishes like chapatis, beans, tea, and ugali. Running my own business is more fulfilling than working for someone else, as it allows me to invest extra effort into ensuring its success. Currently, I am doing hairdressing at clients' homes for a small fee after having to close down the restaurant due to several challenges. I am determined to bring the restaurant back to life, fulfilling my entrepreneurial dreams. The prolonged drought led to a severe water shortage, forcing me to temporarily close the restaurant. The nearest water source was far from my shop, and water was being sold at $0.55 per 20-liter container, making it unsustainable to keep the business running. This situation caused losses and reduced customer visits. However, I am planning to reopen the restaurant soon. Until then, I am sustaining myself by offering hairdressing services to clients in their homes." (Occupation: Small business)