"I would like to use part of the money to build iron roofed house because my house is leaking and to avoid frequent maintance. Secondly l would wish to open up a business to generate income to substitute my husband's source of income. I would also like to buy two cows to act as security incase of any emergency. Finally l would like to expand on farming to increase productivity to ensure food security for my family."

"I would like to use part of the money to build my own house since l do not have a house. Secondly l would wish to buy a cow to act as security incase of any emergency. Finally l would like to open up a business to generate income to support my family."

"The happiest part of my day is in the morning when I'm cultivating in the farm before I step out to attend to my business." (Occupation: Small business)

"I would like to use part of the money to build a new house because my house is very small to comfortable accommodate me with my family. Secondly l would wish to pay school fees for my son who is in form one and has fees problem. l also would like to expand my business to generate more income to substitute my husband's source of income. Finally l would like to expand on farming to increase food security for my family."

"Firstly, I plan use the transfer on starting a fish business in our local market.This will boost my income.Secondly, l use the transfer on paying for my husband's a driving course fees."

"I plan to boost my fish selling business,and also buy ox-plough for hiring to villagers who might want at a fee.This would be giving me some more income." (Occupation: Small business)

"Firstly, we plan to use part of the transfer to buy four bulls, that would help us to plough our farms, and two cows that would provide us with milk. Secondly, we intend to use another part of the transfer to buy new iron-sheets, to replace the ones on the roof of this house, because the house leaks when it rains. Lastly, we plan to use the remaining amount to start a small business of selling grains such as maize and beans for family income. "

"My proudest achievement is that I had a small business through which I bought a cow that I have beside my house."

"I spent part of the third transfer on buying and fixing iron windows into my house, and 20,000KES as capital for a business in selling ready made clothes so that I may have a source of income. I also bought a cow for keeping @ 15,000KES."

"My life is different than it would have been if i never received the transfer is i couldn't have manage to buy a land." (Occupation: Small business)