"We plan to use the transfer on starting a kiosk business.l will buy paraffin , cooking oil., sugar tea leaves and sell them at profit to my villagers.This will boost our family income.We will use the remaining amount on farming sweet potatoes."

"Firstly,l would like to use the transfer on starting a business.l will buy second hand clothes in bales and sell them on market days in Kadongo center.Secondly,my husband will use the remaining amount on dowry payment."

"I would like to use part of the money to open up a business to for my wife to substitute my source of income. Secondly l would wish to expand my house because it is very bad condition and very small. Finally l would like to pay dowry to my parents inlaw to appreciate them for upbringing my wife. "

"I would like to use part of the money to build my own home. Secondly l would wish to open another business to help me sustain the money. I would also like to expand on farming to increase food security for my family. Finally l would like to use the rest of the money to pay school fees for my children. " (Occupation: Small business)

"I am planning to spend my transfer on plastering my house, paying school fees and also start up a small business for daily income."

"I have planned to invest the money on my sugar cane business."

"The biggest difference in my daily life is that I have managed to acquire electricity connection,my children can ready at night comfortably and their is security because people fear stealing things where their is brightness." (Occupation: Small business)

"The achievement I am proudest of is the ability to buy the land which I am sitted with my family. I am not renting and I am settled with my wife." (Occupation: Small business)

"The achievement I am proudest of is my plot of land which I bought in 2001 out of the former small business I used to do. I am happy I have where to stay. "

"I spent my second transfer on paying 32000 KES school fees for my son in secondary and those in primary,I expanded my house using 10000 KES where i bought six iron sheets at 3000 KES,nails at 1800 KES,i spent 2900 KES on timber and paid the labourers 1800 KES. I invested the remaining amount in my corn business." (Occupation: Small business)