"I spent 7,000 KES to pay school fees for my child in secondary school and bought 7 iron sheets at 3,000 KES to construct a business structure. (Had money in mpesa as withdrawal fees)" (Occupation: Small business)

"I spent my first transfer to buy a sheep for 3000 KES, 2000 KES i spent to boost my business, 4000 KES i paid school fee for my children and the remaining cash i spent to buy food." (Occupation: Small business)

"I spent my second transfer on buying a bull for ploughing worth 18000 KES, I bought a sheep at 2500 KES,i gave my husband 15000 KES to boost his livestock business and i also incurred 8000 KES in my vegetable business. I spent the remaining amount to buy food for my family." (Occupation: Small business)

"From my first transfer, I spent 2,000 KEs to pay school fees, spent 7,000 KES to start a second hand clothe business and the remaining 1,000 KES I spent to buy food for my family.." (Occupation: Small business)

"I spent my second transfer on building a new house worth 38000 KES, paying school fees worth 4500 KES, bought maize worth 4500 KES and took to my business 3500 KES"

"The biggest difference in my life is that I was able to build a new house which is more comfortable as compared to my previous house that was licking, I also own cattle " (Occupation: Small business)

"We are planning to construct a new and bigger house." (Occupation: Small business)

"The biggest difference in my life is that i used to live in a grass thatched house but now i will have an iron roofed house.I never used to do any business but now i am a fish monger and i am able to feed my family too."

"I'm planning to build a poultry house and start poultry keeping with my upcoming transfer." (Occupation: Small business)

"The biggest difference in my life is that I was able to afford to pay school fees for my children " (Occupation: Small business)