"Am planning to use the second transfer to purchase more iron sheets for building and also to buy a sewing machine which will help me in starting a sewing business."

"I spent 8000 KES of the first transfer on buying a steel door and used the rest of the money on starting up food business for my wife."

"The biggest difference in my daily life is that I have a donkey hence I don't buy water but fetch from the lake." (Occupation: Small business)

"l am planning to add some cash to upcoming transfer to buy corn grinding machine." (Occupation: Small business)

"I am planning to build a bigger house since my one roomed house is too small for my household and to invest my upcoming transfer in a small grocery and grains business."

"I spent 2,000 KES from my first transfer to pay school fees for my children, used 4,000 KES in paying back a debt I owed , invested 2,000 KES in chicken rearing business and spent the remaining 2,000 KES to purchase one sack of maize for my family."

"I spent the second transfer on buying sand and bricks to lay foundation for my house because the soil here is weak and a brick house will be stronger. I also spent some money to boost stock for my fish retail business hence increased profit." (Occupation: Small business)

"The biggest difference in my daily life is that I was able to complete my house which have been under construction for a long time." (Occupation: Small business)

"I spent the first transfer on paying school fee of 5600 KES and used the rest of the money on opening a business." (Occupation: Small business)

"l am planning to build a spacious nice comfortable house that can accommodate me with my family." (Occupation: Small business)