"The biggest hardship is on making ends meet, we rely on scrap metal trading business which is not profitable enough to sustain the family." (Occupation: Small business)

"The biggest hardship is lack of capital to establish a good business and how one can grow to improve his life."

"Firstly, I intend to use part of the transfer to pay school fees for my two children, whom I expect to join secondary school next year. Secondly, I plan to use another part of the transfer to expand this my house, because it is small. Lastly, I plan to use the remaining amount to start a small business of selling charcoal."

"I am planning to spend my transfer on completing our house and also start up a business for a shop."

"I am planning to spend my transfer on buying live stock like a cow, start up a shop as a business and lastly buy a piece of land then build a house being the fact that i do not own a house on my own."

"I am planning to spend my transfer on growing sugarcanes because they are profitable then later on start up a shop as business."

"I am planning to spend my transfer on first buy beddings, start up a business for my wife and also put in farming."

"I am planning to spend the transfer on putting up a shop business to support my family. "

"I spent my first cash transfer on business capital 5,000 KES, paid school fees 2,000 KES , bought 1 sac of maize 2,800 KES, and sugar 100 KES."

"I'm planning to spend my upcoming cash transfer on building a house." (Occupation: Small business)