"My dream of starting a small bussiness of KES 80,000 will be fulfilled. I hawk snacks such as sweets and biscuits to earn a living. I started this business in 2018 when I completed my secondary education because I could proceed to college due to lack of school fees. My mother raised me single handedly and payment of school fees was a challenge to her. Currently, I operate with a stock of KES 700 per day and it gives me a profit of KES 300 which is barely enough to meet my basic needs as it caters for food and other necessities only but no savings. I will therefore use KES 80,000 of the transfer to start up a small retail shop. This will give me enough profits which I can save up to further my education." (Occupation: Small business)

"I had separated with my wife last year because life was so hard due to the effects of the COVID-19 pandemic and my business was not making any income. We slept without having a meal for some days and that's when my wife decided to go back to her parents. It was a sad and depressing moment for me. In June this year, however, I managed to pick up the pieces together and they came back to our house. This gave me a lot of happiness."

"I am the sole breadwinner for my family, this makes me struggle a lot to provide food and school fees to my children. I am currently relying on what I earn from my grocery to feed my family, challenges come in handy when I make a little sale in a day. This implies that I will get little profit and thus little income for the family." (Occupation: Small business)

"In the last 6 months I've been able to reopen my business of a retail shop. During COVID 19 I had to foreclose my shop because there were no customers, people were afraid of going out to shop and they had lost their jobs. Most people would get goods on credit and that affected my business return. Right now I do not only focus on subsistence farming but I get an income of KES 7,000 from the shop in the 2 months I've reopened the shop."

"Receiving this money means that I shall be able to have my own business that will be earning me an income regularly. I am currently facing a lot of difficulties providing all the basic needs for my family because I have no income at all. My husband works in a nearby quarry and he manages to get KES. 100 on average daily. We spend the entire amount in buying food that is enough for one meal a day. I admire a situation where we have enough food, savings, and a warm house. This would not be possible soon going by what we have currently. The poverty cycle is quickly catching up with us and it is so worrying. I will spend half of the transfer to set up a business in the nearby town and the other half I shall use it to insulate the house, put some furniture in it and buy a cow." (Occupation: Small business)

"I have been having a problem of not owning a dairy cow.The cow I had initially was not mine and it was taken away from me when it had just calved. It was very painful experience as it left without milk and income for my household. Receiving this money therefore means a lot to me .It is against this backdrop that I intend to purchase a cow worth KES 45000. The rest of the money I will use to pay school fees." (Occupation: Small business)

"Over the past few years, my husband has been studying at Migori teacher's college. It has taken a lot of resources. I used to operate a small shop but I was forced to close it because the recurrent cash I was using for business was used to pay school fees. Now that my husband has finished schooling my plan is to reopen the shop and go back to business. I am so happy to receive these transfers since I am now certain of going back to my business. I intend to spend KES 30000 to restock the shop and use the rest of the money to build a better house."

"I am struggling to feed and provide for myself and my kids since I don't have a stable source of income and I have to rely on small business like selling small fish to feed and provide for my children"

"I am just happy that I have been enrolled for this program, I believe that the money will help me to establish a well meaningful business to sustain my daily needs"

"Depending solely on charcoal business has made it difficult to get enough income to satisfy the family's needs. This is because it is unreliable in the sense that we get little from the business and this is after very hard work. My husband transports charcoal to town, over 100 kilometers away using a motorcycle only to get KES 2,000 in a week. He comes home after two or three days hovering around town looking for customers." (Occupation: Small business)