"The biggest difference is that before the transfers, I used to spend the little earned profits from my business to pay school fees and maintain upkeep for the household as well. My business was straining and there was no room for growth. But ever since I got the transfers my business is booming and I have zero school fees arrears."

"The biggest difference in my daily life is the fact that I have been able to improve my business. I am optimistic that I will make more investments and profits going forward and improve my living standards and that of my family." (Occupation: Small business)

"The biggest difference in my daily life is the fact that I have improved my poultry selling business. I was in bad debts with my business before I received this money but with the tranfers I have increased my profits from KES 500 to now KES 2000 per day on market days. I now can save some money from my business contrary to before when I could hardly have enough to feed the family." (Occupation: Small business)

"I purchased a motorcycle last year on credit for business which I was confident that I would be able to completely pay for using my monthly transfers in case the business did not work out well. So far, all has been going smoothly and the business can provide enough money to pay for the monthly instalments, which has given me the opportunity to invest my transfers on another business for extra income. My new goal is to start a new business on second-hand clothes which I will be running on my own while I lease out the motorcycle at a daily fee."

"Receiving this money means buying a dairy heifer, which will multiply in future and will also earn me some income from the milk produced by it. I also intend to top up my savings with the remaining part of the transfer to buy a motorbike for taxi business hence this means i will no longer have to depend on unreliable casual jobs such as cultivating people's farms "

"I expect my life to have improved in the next six months. I intend to use the money from the farm and part of the transfers to start a business. I will be trading in chickens and create another source of income. I am confident that I will succeed in this business because I had done it before. I left the business many years ago because I ran out of cash to sustain it. With these transfers, I will revive it."

"My main source of income before the project was selling Khat which I also used. I did not make much out of that business because it is not a business one runs in the open which made it hard for me to financially support my family or even take care of my own needs. Now that I have a decent business, I feel motivated to do more and grow. I also make a decent amount of money that makes it possible for me to assist my family which was never possible before."

"I built a new house two years ago after a long struggle since I did not have a good source of income. I only depended on my small income from grocery business which was not giving much. I would struggle to meet my family needs with this kind of income. I started saving part of my income from the business and farming in our table banking group and used my savings to buy building materials for putting up the house. After that, I did not have good household items because I was not able to buy on my own. I only had two wooden chairs in the house. I would have to borrow seats from my neighbour whenever I had visitors. When I started receiving these transfers, I started saving and I used the savings to buy household items such as sofa set, cupboard, utensils and a table. Right now if I walk into my house, I feel so much at peace because it is not as empty as it used to be before the transfers. I do not have to borrow seats anymore."

"My new goal for the next four months is to start beans business. I have realised in my area, very few people sell beans and they sell it at a high cost. I would also want to take advantage of the unsaturated market so that I can benefit myself from the profits. If all goes well, I may be able to venture into the business too as a way of boosting my income."

"My life is currently different than it would have been if I had never received the transfers. Before I never had any reliable source of income unlike at the moment where I am running on of the most promising business with a good profit margin. From it, I can feed my family, pay school fees for my children and also make a good saving at the end of every day."