"This money means that I have now found some capital to start a small scale business. This is because I want to sustain my life after GD has left us." (Occupation: Small business)

"I work in a nearby quarry mining stones for road construction. We sell the stones for USD. 2 per tonne. It takes the whole day to mine the one tonne when the weather is good. At the moment I feel this work exhausts me a lot and it has no good return for the energy invested in the work. With these transfers I would like to start a vegetables business since i have a small garden where I can grow them and be selling in the nearby town."

"In 2016 my knee started developing some abscess and when I visited a doctor I was treated but since then I have not been able to walk properly. This has affected the time I get to spend in my farm since I do not maximize my time of the day. My produce also has gone down due to the same and I can no longer earn money like I used. This has posed to be the biggest hardship in my life." (Occupation: Small business)

"I am running a small business currently where am selling household goods to my neighbors for a small profit from my main house. I started this business with USD. 10 which I got from my husband. Initially we were relying so much on his income which was not enough to take care of the family. With these transfers I'd like to build a small shop outside my compound so that it can be easily accessible to my customers and also stock it with a variety of products. With that I would have helped my neighbors to access household goods at a nearby location while at the same time my profits will rise."

"I am a business woman and I got into business because my husband abandoned after I couldn't bear him any kids. I became an independent woman since then. With these transfers I want to expand my canteen business and start a poultry farming business."

"My husband's experience and expertise in the field of carpentry is unmatched. He is employed by someone else to work in his workshop. We both have a mutual feeling that his experience is not helping us as it should, because he is paid peasants by his employer. Our dream as a family is to start our own workshop so that we can fully benefit from the rare skills that my husband possess. We plan to buy carpentry tools like hand saw, spirit level, tape measure, claw hammer and chisels. All these will cost us 40000 shillings. Receiving this money will mean a lot to us as it will enable my husband to finally start a business of his own."

"I have always dreamt of starting a small business to guarantee my family a reliable source of income.I am passionate about beauty and I want to start a salon. I have been working for someone in the same business and now I feel I should start my own. From it, I have acquired the experience and expertise of successfully running my own business.This business earns a profit of 2000 shillings and because I have build a customer base, I am sure of even making beyond that."

"The death of my husband" (Occupation: Small business)

"The hardship I have faced in my life is when my child was not feeling well,she had been burned by hot milk when she was 3yrs old. I had to incur sh 400 for her medication when I took her to the hospital which o did not have because my business was not generating any profit.But I borrowed from my neighbor" (Occupation: Small business)

"It's means I will be able to buy a piece of Land for myself, currently I am leaving at my parents house since when they passed on in 2014. I have children and I could like them to have a home because my brother can come and claim the family property including the house and land that we live in now" (Occupation: Small business)