"I live in a very small place behind my business premise.When we have kids we will require a bigger place.This transfers will help me buy a small piece of land and build a two bed roomed semi permanent house.I will also boost my hotel business by expanding it.I will also buy a dairy cow which will help supply milk to my business." (Occupation: Small business)

"I have a poultry unit but not big enough to meet the market demand for eggs.I am planning to spend the transfers on expanding the poultry business that I do.I supply eggs to Bomet town and the demand is high.The transfers will also help me buy more eggs from the village to add to the ones I get from my chicken.It is cheaper buying eggs in the village.Currently I have 20 chicken and my plan is to triple the number."

"I do not have any new goals at the moment. I still want to continue saving my monthly transfers with the intention of using the money to pay my college fees. I want to go back to school because it will enable me to apply for jobs once I get a certificate upon completion of my course. Even if I don't get a job, the skills acquired in that course can help me employ my self by starting my own business."

"Receiving this money means that I will be in position to build my house and also educate my children." (Occupation: Small business)

"I had a weak door which was so risky because I feared that anyone could break and get to my house whenever they felt. I, therefore, bought a steel door with a larger portion of the money. Part of the money I spent on goat for rearing because goats reproduce twice a year thus I believe that by the end of the year I'll have close to ten goats. My children too had not cleared their school fee so I paid for their school fee so that they couldn't be sent back home for school. This has also given them ample time for their studies. I also bought them school uniform each to replace old worn out ones. In addition to that, my business premise was in bad condition so I bought some building materials which I used to renovate it. I bought food with a portion of the money and saved for future use."

"Receiving this money means building a commercial house that we shall use for business. We currently have only one grass thatched house that is not making any money for us but we sleep in it."

"Receiving this money means I will start a small scale business in order to me to diversify my source of income. I have been basically relying on farming as my main source on income which was not sustainable."

"Receiving this money means I will be able to construct an iron roofed house. The one I am sleeping in right now is not in a good state. If I realise some balance, I will be able to boost my business of brewing local alcohal (ajon)."

"My life has improved because I am fulfilling my long time plan of opening up a business which will enable me get income for meeting my family needs. Before I got the money, I had business ideas that could not be implemented due to lack of finances."

"My family now have a fallback plan which helps generate income. I have finally ventured into farming vegetables which helps generate income which I want to save and start up a business which will be the major source of income for my family. I want to venture in large scale farming to help generate income which will see my family have a comfortable lifestyle." (Occupation: Small business)