"Receiving this money means my dream of investing in a motorbike taxi is finally coming to reality. Currently, I depend solely on my husband's earnings, and given that he is a driver, his income is hardly enough to meet the household's needs. The only mode of transportation here is a motorcycle, this is a sector I want to venture into, particularly transportation of charcoal to Mombasa town. On a good day, one can earn up to ksh 2000. If I combine this with what my husband brings home, the issue of financial instability will be addressed. Again, I want to invest in agriculture, particularly maize farming and to achieve this, I will use part of my transfers to purchase oxen to assist in timely cultivation and ultimately get better yields." (Occupation: Motorcycle or bicycle taxi)

"I have a new goal of saving and buying another motorcycle to help generate more income for my family" (Occupation: Motorcycle or bicycle taxi)

"My life is currently different in that I now have more income of my own and self reliant than I was four months a go. I can proudly say I am working towards leading an independent life free from over reliance on my parents and other well wishers. I am now proud that I have been able to assist my parents in gathering for my own personal needs and given them enough time to look for school fees and gather for the other household member needs. They have also been able to facilitate their own income generating activities. I have also been able to clear a loan that I had borrowed to buy a motorcycle and I can now start saving more money from the proceeds of my motorcycle business. I already have plans of buying a second motorcycle and even make more income for myself and raise the living standards of myself and my family."

"Inability to provide for my children's needs adequately is the biggest hardship i have faced in my life. My husband who is a motorcycle rider is the sole breadwinner in our family and we usually spend the money he earns daily on food. Sometimes my children fail to attend school like others since they spend most of their time home due to lack of school fees.I see my husband struggle alot but i hope our struggles will soon end immediately we receive our first transfer from GD since i plan to engage in income generating activities in order to support him." (Occupation: Motorcycle or bicycle taxi)

"My first priority is to open a boutique shop in Kisumu county. In Kisumu there are not many boutiques as compared to Nairobi where there is high competition. I will be able to buy second hand clothes at Gikomba market and sell them in upcountry. I will target youths because they are trendy and I therefore, expect to make alot of profit in return. Secondly, I will buy a second hand motorcycle and use it as transportation of people and goods. From my research I have discovered that this is a major source of income for many youths. I will therefore be able to supplement my income. Thirdly, I will invest in livestock. I will buy a young bull as an asset and expect to sell it later in the event of an emergency."

"My first priority is to buy a motorcycle. I have a passion for this work. It is a convenient mode of transport and many people in my area use it because of its availability. I have friends who own them and this will provide a good income that I will be able to sustain my life. Secondly, I will start selling fruits and fruit juices. There is a ready market because of the high population and is profitable. Thirdly, I will pay my rent because shelter to me is very important after a long working day."

"I expect to have saved and bought more stock to help boost my business. My profit margin will increase which means more good things for my family. My children will have their school fees paid in time, we will have a constant flow of money hence improvement on our daily dietary intake as we can afford healthy meals. In the next six months, I shall have started the livestock rearing as a way of financial security of my family." (Occupation: Motorcycle or bicycle taxi)

"The biggest hardship I have faced is lack of sufficient finances to make my life comfortable. In this I would also wish to own a car or a motorcycle but financial constraints have limited my access to acquire them."

"In the next six moths, I am looking forward to having moved into my new house. This will be a long awaited dream come true." (Occupation: Motorcycle or bicycle taxi)

"Lately, especially after building my new house, I have had an easy providing for my family despite the little income I earn from my motorcycle taxi business. This is because the monthly transfers that my wife and I receive help us a lot in buying most of our household needs." (Occupation: Motorcycle or bicycle taxi)