"I am happy to be living in a permanent house which I do not have to cement all the time." (Occupation: Small business)

"The biggest difference in my daily life is that I now have my own business,I don't have to work for other people anymore."

"The biggest difference in my life is the goat keeping business i stated with the transfer."

"The biggest difference in my daily life is that I am practicing subsistence farming hence am able to provide food for my family and also sell some farm produce to get some income.I have paid school fees for my children." (Occupation: Small business)

"I spent 5000 KES as business capital for weaving baskets and the remaining amount on buying clothes and food for my family."

"My life is different in that, I now have my own motorcycle for business and am my own employer"

"The biggest difference is that my business that had collapsed has revived. I feared my daughter would not get her certificate but now she is going to get her certificate. " (Occupation: Small business)

"The biggest difference in my life is having a source of income through our motorcycle." (Occupation: Small business)

"The biggest difference in my life is that I have started a poultry business and in a few months time,I will be getting money out of it."

"I spent my second transfer on buying motorbike(boda boda) for transportation business. "