"I plan to spend the transfers as capital to start shoes business the illicit alcohol brewing that I do currently is illegal and risky. "

"I plan to spend the transfers towards school fee payment for my daughter in form three and also expand my cereals business to make it more profitable. " (Occupation: Small business)

"My proudest achievement is in pottery through which I have made pots and engaged in butter trade for maize, which I sell for better profits, with Rift Valley farmers. " (Occupation: Small business)

"My biggest hardship is finding capital to start a business since I wish to quit casual jobs which I feel tired of. "

"My proudest achievement is owning six sheep.l bought them out of my savings from my small business of selling sandals."

"My main intention is to use the transfer on boosting my fish selling business.l will buy more stock and build a stall to enable sell fish even when it's raining .Secondly, l intend to spend the remaining amount on building poultry structure for 200 birds.This will enable me increase my income." (Occupation: Small business)

"I am planning to use the transfer to pay school fees for my children, buy clothes, buy food and to start up a business. "

"Our first plan is to use part of the transfer to builda bigger mud house with three rooms and a metal roof, because this one is small. Lastly we plan to use the remaining amount to boost my fish-selling business, by expanding the stock."

"Firstly, I intend to use part of the transfer to expand rice cultivation activity, by leasing a bigger farm. Lastly, I plan to use the remaining amount to start goats-selling business."

"The achievement I am proudest of is building our current house with proceeds from my husband's motorcycle taxi business. "