"We have planned to expand our business,then we will complete our house since the one we were in burnt down. The last transfer we will use it to buy household items."

"I am planning to start a small business selling fast moving consumer goods like sugar and cooking fat." (Occupation: Small business)

"My proudest achievement is having started a small business selling fish after the death of my spouse. The business enabled me to build an iron roofed house and tear down my old grass thatched house. I also engaged in selling snacks called 'mandazi' and after diligently saving my profits I was able to build my son a small house."

"My proudest achievement is having started a small business selling potato chips (crisps) at our local market. The money that I gained over the years enabled me to buy an ox last year, but I had some problems later on and to sell it. " (Occupation: Small business)

"My proudest achievement is having started a small business selling avocados and fast moving consumer goods like sugar in addition to joining a table banking group. These two sources of income, that is, profits from the business and savings from the table banking group enabled me to purchase a dairy cow which provides milk for my family. I even sell the surplus milk!" (Occupation: Small business)

"I bought iron sheets for 24000 KES, timber and poles 10580 KES, nails 2800 KES, labor cost 5000 KES, spent 1250 on my business, bought maize for 800 KES and spent the rest on food."

"I am happy and proud because I had a small house previously but now I have a bigger house that contains my visitors so well. " (Occupation: Small business)

"I am planning to build a new house with my upcoming lump-sum payment." (Occupation: Small business)

"Other NGOs like World Vision send less transfers compared to GD which sends lumpsum transfers that has big impact on our lives." (Occupation: Small business)

"I am planning to use my upcoming lump-sum payment to pay university fees and invest in my chips business." (Occupation: Small business)