"Receiving this money means my grandson can finally join a driving school and get the skills required to start his own motorcycle taxi. I also plan to get him the motorcycle with this cash, I will make a down payment and he will clear the balance from the earnings when it starts operations. We will then be able to meet food and other expenses with much ease since I am no longer economically active due to old age. It will also help in keeping him focussed so he does not succumb to peer pressure and engage in bad behavior such as dealing drugs or excessive drinking."

"Receiving this money means I get the support needed to start something that will be supportive to my family like having a taxi motorcycle. "

"My expectation for the next six months to use the saved transfers for and buy a goat for rearing purposes. I am planning to start a goat rearing project because they do well in my area. I am also interested in this because they multiply very fast and with the increased numbers in the near future, I might sell the grown ones to sort financial crisis such as medical bills if one of my family member is sick and has a lumpsum bill at the hospital." (Occupation: Motorcycle or bicycle taxi)

"Being a junior teacher in primary school, the salary I earn there is too little to meet the needs of the family especially when you have kids who are in school. Therefore, it has been my desire to have a side hustle that can boost my income every month. Having done my research around this area, the most potential one is motorcycle spare store and a garage. There are a number of motorcycles around here and whenever someone needs such services, he/she has to travel over 10 kilometers to Bamba Center. Having this will not only earn me an income but also will bring services closer to the people. Accordingly, I will invest all my transfer in this venture."

"Receiving this money means that I will fulfil my wish of building an iron sheet roofed house. I stay in my brother's home and the space is very small thus there is less comfort with the family. I will get comfort in my house with the family members after contrusting it." (Occupation: Motorcycle or bicycle taxi)

"I expect my life to change in the next six months in that I will have bought a motorcycle. I plan to use part of my transfers and the profits from my poultry project to buy the motorcycle. I would want to boost my income in as many ways as possible hence I plan to buy the motorcycle."

"I expect my life to change in the next six months in that I shall have saved enough resources from the monthly transfers to renovated my house. When this actualizes I am sure I will rest from smearing it every season which could save me from being laughed at by my neighbours who have upgraded cemented houses." (Occupation: Motorcycle or bicycle taxi)

"The cash transfer has transformed our standards of living. With the aid of the cash transfers we jointly purchased a motorcycle which earns daily income for the family. We can afford to eat good meals at home. Previously we had no income generating activity and life was not a bed of roses."

"In 2015 I undertook a tailoring course and ever since I haven't been able to fully utilize the skills I acquired due to lack of adequate capital to purchase the requisite equipment and materials. At the moment I rely on a friend's sewing machine but since it is her sole source of income, it is usually hard to get a chance to expertise my skills. Receiving this money will enable me to establish a tailoring business. Therefore, I intend to use my first transfers in putting up the whole thing; from buying a machine, renting a working space to buying materials and other requirements. Having this up and running will not only enable me to sharpen my skills but also a source of income to the family. This will be a relief to my husband who at the moment is a motorcycle taxi driver in Mombasa. Though the nature of his work is strenuous, he has worked tirelessly to sustain the family. For the second transfers, we will invest in livestock raising. This will serve as our long term investment plan." (Occupation: Motorcycle or bicycle taxi)

"My expectations in the next six months to build kitchen coop. Currently, the hens sleep in the main house. They are destructive and they mess my children's bedding with their fecal wastes. It has been frustrating but I still had to keep them because they are my source of income." (Occupation: Motorcycle or bicycle taxi)