"I bought building materials( iron sheets,and roofing nails ) at 8700 KES,mattress at 4,000 KES,paid 2,500 KES on school fees,bought a cow at 17,500 KES,used 5,000 KES to start a business and the rest of the money am still keeping for future use ." (Occupation: Small business)

"I spent my second transfer on a goat and sheep 6000 KES, food 5000 KES and invested in shoes business."

"I used 8,000 KES of my second transfer to start a business of selling african print clothe materials and the rest of the money am still keeping,i am planning to use it on building a house outside my father-in-laws' compound."

"I would like to use part of the money to build a new home since my house is in a very bad condition. Secondly I would wish to buy a cow to help me generate milk for preparing tea for my children and for sale. Finally l would like to use the remaining amount to open up a business to generate income to support my children."

"I would like to use part of the money to build a new house since my house is old and seriously leaking. Lastly l would wish to open up livestock business to generate income to help my family."

"I am planning to use the first part of the transfer to expand my maize growing activities by ploughing two to three acres instead of one acre that I am currently ploughing to increase the yield. Secondly, l intend to use another part of the transfer to expand my small business of selling mandazis. Lastly, I plan to use the remaining amount to pay school fees for my child in secondary school and the two children in primary school."

"The happiest part of my day is in the evening when I am back home from my small business and having supper together with my family."

"I plan to buy land and build my own home because we are very congested on this clan land, buy livestock and Invest in business."

"Being able to own a house is my proudest achievement.Initially, l was staying in a grass thatched house that was in a poor state." (Occupation: Small business)

"I have worked hard through my business to educate my children. "