"Receiving this money is a great boost in my family. I have a family of six and we all depend from what my husband earns. He is motorcycle rider and earns KES.500 per day. We use this amount to buy food and pay for school fees. I had an ambition of starting a shop around my village, but then capital has been an issue to me. I am excited that I will receive this transfers and be able to start a shop business. I therefore plan to use the first transfers in building a structure, and the second transfers for stocking the shop." (Occupation: Motorcycle or bicycle taxi)

"There's a big change in my daily life ever since I received my transfer. I used to own four chicken and I rarely had vegetables for consumption since they would feed on them. With the transfer, I was able to build a poutry house and this is where I feed them from. Because of this, I have seen a major change in my vegetable garden since my family now have enough vegetables for consumption and I sometimes sell and earn income that I use in buying some basic needs that we need for ourselves." (Occupation: Motorcycle or bicycle taxi)

(Occupation: Motorcycle or bicycle taxi)

"My husband is a motorcycle taxi rider earning a net of KES 100 daily. He is riding a rented bike meaning he has to pay the owner KES 300 everyday. It's been two years without economic involvement since I was married. When I get this money I want to start a business selling vegetables and other essentials. This way I will be able to supplement his income and together we can effectively take care of our child." (Occupation: Motorcycle or bicycle taxi)

"My husband is a motorcycle operator of which he is employed to operate the motorbike. I have been living a destitute life for the passed 3 years without any business, depending on my husband for almost everything in my house. I have not made any step in development. I have been thinking of raising capital to do a business of selling smoked fish and vegetables but I was not able because raising the capital (KES 30,0000) was not easy . Receiving this first transfer will mark my start of opening my business I have dreamed to have in life. I will assist my husband on meeting a our domestic needs in our house and will be saving my profits because I have 2 children who are growing and they will need excellent education and a better life.I need to build the future for my children." (Occupation: Motorcycle or bicycle taxi)

"A house which has no stable income generating activity is a house with many challenges . Food insecurity is the greatest challenge in my house. Raising school fees for my son who is in secondary school also has been a challenge of which if it were not for my elder son who is a motorcycle business operator, my son's education could have been paralysed.I have more than 3 years in my house without buying new clothes because whenever I get little money, it either goes to school or goes to meet food budget for my family."

"Receiving this money means I will finally have better housing which I have wanted for a long time. I got married six years ago and we have had three children with my wife. Since then we have been living in a small grass-thatched house that can barely accommodate all of us. My children sleep on the floor which is often cold especially during rainy seasons. This house is also the living room and kitchen which gets smoky when we are cooking. I plan to construct a two-roomed iron-roofed house, which will cost me KES 30,000. For the rest of the amount, I plan to purchase a dairy cow as a source of income." (Occupation: Motorcycle or bicycle taxi)

"Receiving this money means access to clean safe water for household use. In our area water source is a challenge especially during low rainfall. We travel over 2 kilometers to get water. This is usually tiresome since the water include livestock. I am lucky that I have a motorcycle which I use to carry it however this means my daily income for the motorcycle taxi job that I normally do will be low and sometimes fueling eats into my profit. So when I get this money I will purchase a 5000-liter water tank." (Occupation: Motorcycle or bicycle taxi)

"I feel like my life is better now because I started a small business selling fish in the local market and I am able to survive off of that now. I am able to utilize the proceeds to fend for my family and I am not struggling with finances like I was before I received the transfer." (Occupation: Motorcycle or bicycle taxi)

"I bought motorbike with this most recent transfer." (Occupation: Motorcycle or bicycle taxi)