"We plan to spend the transfer to expand our business. We also plan to spend part of the transfer to pay school fees for our children. We also plan to spend the transfer to buy oxen plough which we will use for ploughing our farm." (Occupation: Small business)

"My proudest achievement is that I am feeding my family every day with the money from my small business." (Occupation: Small business)

"I plan to spend my transfer on doing a business of selling fish. At the moment I am helping other traders who sell fish, so I know how to do it and will make good money when I am doing mine. I also plan to build a better house because this one is too small and leaking."

"My main intention is to use the transfer on building another house. My current house is a small one roomed house and the walls are cracking. I would wish to build a three roomed house so that my children can have their own bed room. Secondly, l would like to buy household items like blankets, bedsheets and a bed for my children.Lastly,l will use the remaining amount on boosting our tailoring business by buying more stock of materials and a new sewing machine to increase our profits."

"I ride someone's else's motorcycle and pays back Ksh 300 per day, I find it a challenge when the business does not go well in some days as the motorcycle owner needs her daily dues without fail. Sometimes I'm unwell and I'm forced to work simply because I have to feed my family. " (Occupation: Small business)

"I've faced a lot of hardship in sourcing for food for my family at times the number of meals changes from three per day to even once a day. " (Occupation: Small business)

"I am planning to use the first transfer in making bricks for sale.The second transfer I will use in buying second hand motorbike for business and the last one I will use in buying dairy cows that will help me get milk for my family usage and for sale."

"My priority is to first build a house because I sleep at my neighbor's house. I will also start a business that can earn me some income."

"First I plan to buy household items like bed and chairs. I will then buy a cow to keep and if part of the money remains I want to start a small business for up keep. "

"I plan to spend my transfer in starting an agricultural business by buying a water pumping machine.I will plant crops and I can sell to get income for my family."