"I am planning to spend my upcoming transfer on farming, buying cattle and expanding my small business which is my source of income"

"I am planning to buy tuk tuk with my upcoming transfer. My four friends and I are contributing towards this to start transportation business."

"I spent my second transfer to buy building materials that cost me 30000 KES that i used to build a new house. I was living in a rented house. I invested 10,000 KES in my retail shop business at least i have a steady income to support my family. I bought a bed that cost me 4000 KES and bedding that cost me 3500 KES. I spent the remaining to buy food for my family. "

"I have been running a maize grinder that collapsed due to lack of operational cost and therefore when I will receive my upcoming second transfer, I will revive the business."

"I am planning to spend my upcoming transfer on paying school fees, build a new kitchen and farming" (Occupation: Small business)

"The biggest difference in my life is the bigger house I stay in now which accommodate my family comfortably. " (Occupation: Small business)

"I spent my second transfer to plaster my current house, so i bought fourteen tonnes of sand that cost me 8500 KES,twenty bags of cement that cost me 12000 KES, I paid 8000 KES for labour during the plastering. My mattress was old so i bought one at 7000 KES. I also spent 2500 KES in boostig my wife's business. I have been using the remaining to buy food for my family."

"The house I used to live in was small and had cracks all over but now I live in a bigger plastered house and has also expanded my business which has improved my family's income and this makes me very happy." (Occupation: Small business)

"I spent my first transfer on starting up a shop business which now acts as my source of income"

"When I receive my upcoming second transfer, I will build a better house since where I live is not pleasing a lot. Again, I would like to invest part of the transfer in livestock that I expect to facilitate education of my children when they reach high school." (Occupation: Small business)