"I am planning to have an operation thus settle medical bills and plaster my house with my upcoming transfer" (Occupation: Small business)

"I am planning to spend the upcoming transfer on building a chicken coop to start a poultry business for an income because am just a subsistence farmer and I do not a a reliable income to support my family."

"I spent my first cash transfer on paying school fees 5,000 KES, increased my stock in business 3,000 KES and the remaining 2,000 KES I spent on buying food." (Occupation: Small business)

"I spent my second transfer on buying an oxen at 23,000 KES, a cow at 18,000 KES, and invested the remaining money on my second hand clothes selling business."

"From mmy second transfer, I bought cement at 15,000 KES, spent 20,000 KES to pay school fees, bought more stock for mu business worth 10,000 KES and the remaining 3,000 KES, I spent on food and other household expenditures. "

"The biggest difference in my life is the ability to clear hospital bill for my son and the chicken business i started which will earn income for my family."

"Am planning to spend my upcoming transfer on starting a charcoal business."

"The biggest difference in my life is renovating my house." (Occupation: Small business)

"I spent my second transfer to buy sewing machine for 9000 KES, 29000 KES i gave my other co wife to build a better house as she was in a grass thatched 11000 KES i gave my husband to boost his cattle business ."

"I spent my second cash transfer to purchase10 pieces of iron sheet worth10000KES,sofa set 15000KES,wiring fee for electricity 5000KES,school fees10000KES,business 9700KES." (Occupation: Small business)