"The biggest hardship in my life has been lack of funds specifically funds to finance my education. My schooling was faced with many challenges such that I couldn't manage to proceed past class eight and the only thing my parents could recommend was I get married so that they can use the dowry to supplement the family of 7 with basic needs especially food." (Occupation: Motorcycle or bicycle taxi)

"When I receive this money, I will start by venturing into business.I will start a motorcycle spare parts shop with 50,000 Kenya shillings.Motorcycles are the main means of transport in this area and this is what made me think of this business. I will also use 40,000 Kenya shillings to buy 2 cows. This will provide my family with milk for consumption and for sale."

"Not having a house and a bicycle" (Occupation: Motorcycle or bicycle taxi)

"Financial instability is my biggest hardship. This is because I depend mostly on subsistence farming and I do not have any other source. The only hope is my son who operates a motorcycle taxi in Mombasa and the much he sends is 500 shillings a month. This has resulted to a struggle in provision of basic needs."

"I do not make enough money to provide good food for my family" (Occupation: Motorcycle or bicycle taxi)

"My ambition has been to purchase a motorcycle taxi for business, but due to financial challenges, this dream has never been fulfilled. Receiving this money means filling it I am planning to spend all the transfer to purchase it. This is going to generate income for my family. In a month, I can make 15000 shillings. This amount is enough to sustain all the basic needs of my family. Approximately, my family spends 10,000 shillings for their basic needs such as food. I will save the remaining amount for our future life."

"I am so grateful to receive this money i will use it to start a business as i am a house wife" (Occupation: Motorcycle or bicycle taxi)

"My household majorly depends on motorcycle taxi business operated by my husband. We are happy to have this source of income even though it is not a stable and it doesn't earn us enough to gather for our needs and savings. To me receiving this money means a change in life. I am planning to spend much of it on livestock. I feel my life will greatly change in that I will have added asset that can give us more milk for household use and sales. I will have calves that will be my future financial securities thus I foresee a better life to come." (Occupation: Motorcycle or bicycle taxi)

"The program is very helpful. I will be able to renovate my house and buy kitchen utensils." (Occupation: Motorcycle or bicycle taxi)

"I never lived to finish school despite my attempts to do so. Tuition fees was lacking." (Occupation: Motorcycle or bicycle taxi)