"Our first plan is to use part of the transfer of to build a new and bigger house, because this one is small and we are many. Secondly, we also plan to use another part of the transfer to pay school fees for our daughter whom we expect to join form one next year. Lastly, we plan to use the remaining amount to buy materials to expand our basket-weaving business."

"My plan is to build another house given that the current one is small and old, secondly I will use part my transfer to clear some fees arrears for one of my child and with the remaining amount I will start a small business of selling foodstuffs."

"When i got the money ,the first thing i did is to pay 15000 KES for my daughter,bought a solar lamp at 10000 KES,I bought bedding at 7000 KES. I also bought clothes for my children and food too. I have kept 7000 KES to start a food business."

"I spent the third transfer on buying furniture and furnishing my house." (Occupation: Small business)

"I spent my third transfer on building materials for my kitchen 16000 KES, secondary school fees for my two children who will sit their final exams at the end of the year 26000 KES and investing in my wife's tomatoes, bananas and Irish potatoes business 7000 KES."

"When i received the transfer i expanded my current business of selling second hand clothes,at least my income has increased." (Occupation: Small business)

"I have a new goal of opening a business so that I'm able to get a source of income."

"I have a new goal of building a shop because my compound is just next to the road so I believe the business can do better."

"My new goal is to start a salon business."

"My first plan is to spend part of the transfer to build a bigger house, plaster the walls and cement its floor, because this one is too small and I would like to have a better house. Secondly, I intend to buy furniture. Lastly, I plan to use the remaining amount to boost my small business of selling fish by buying more fish and selling to the villagers so as to boost my income." (Occupation: Small business)