"Receiving this money means acquiring bulls that will be used as oxen to plough gardens, and starting a small business that will act a source of income to support my family life."

"I am happy because I started the construction of a permanent house. Previously, I had no hopes having lost my job. I had much more family needs and responsibilities. With the fish business that we started, we earn daily income to support the business. The cash transfers have empowered me alot. "

"I have been having the business two years before the transfers. It has not been doing well because it has been my family's main source of income. Every household need has always depended on the business and this is why it has not been doing well. I have always used my business resources for my family needs. I was feeling like my business would collapse because of the burden it had. This is why I have been using transfers to boost the business on a monthly basis. I am, glad the business has grown from street to a rented premise for the business which has also impacted positively on my profits."

"In the next six months, I expect to have grown my livestock business and I will be among the known livestock businessman in our community. With the money raised from this business, I will pay school fees and provide for my family."

"In the next six months, I will have planted and now I will be waiting for my farm produce. Given that I had reduced the cost of labor I expect a good return everything else held constant. With the returns, I can now actively engage in other investments." (Occupation: Small business)

"I did not have a good house to live in. My old house was in a very bad state but I couldn't even renovate it. I am happy that I have a new house to live in with my family. I was also operating a business which was not doing well. The money helped me to buy more stock of goods for this shop. Its now doing well and getting a good and increased profit unlike before. I can now fulfill my own basic needs with ease through this income."

"I now have a pair of oxen to use in my farming. I did not have any before then and I was hiring from neighbours during the planting season. With the pair of oxen, then I won't be hiring again since I have my own. I do my farming timely through this lair for a good harvest. The money has also enabled me to enroll my children in high school and college. They would other wise have stayed at home and not reaching their educational goals since I do not have the resources to take them to school. Its only through the transfer that helped them to join college." (Occupation: Small business)

"I faced financial difficulties to the extent that I was unable to pay for my children's school fees on time. As a result, they were sent home frequently concerning school fees. I am now at peace having paid for them on time. This has at least given me adequate time to prepare for the next payments. I also have livestock that I am keeping in my homestead. My expectation is that they will reproduce and increase in number . I can readily lean on them in case of financial problems." (Occupation: Small business)

"My daughter had been in need of a sewing machine upon completion of a tailoring course. She opted to opening her own tailoring shop instead of being employed to serve her own clients. As at now, she acquired this equipment which she is currently using. I believe her success in this business will be vital to my household, since the income will greatly help us in meeting our family's needs. I also managed to buy two goats which I am currently keeping I believe they will be reproducing and with time, I will be having many of them."

"I have been operating a maize milling business which has been my main source of income. This has been an investment I own besides the livestock I keep. Because I was getting a good income, my plan was to buy another machine to increase my earnings. When I received my first transfer, I took KES 49000 and bought a new machine and installed it. In addition to this, I also took a portion to take my children for medication. I paid some school fees for my children and did some shopping for my family on clothing for my children as well as paying for some other household basic needs." (Occupation: Small business)