"l spent the transfer to pay school fees for my two children in high school, l also spent 7000 kshs to buy steel-door, l spent 4000 kshs to improve my business the remaining balance l spent to buy foodstuffs."

"I used to depend on sisal business that was not doing well but with this transfer i managed to get a room and stocked it fully. I now earn a daily income from my shop and life is much easier."

"I used my first transfer to plaster my house (43000), pay school fees (5000) and invested in my grocery business (2000)."

"I used my first transfer to pay dowry (26000), bought two sacks of maize (6000), and invested in soda business (18000)"

"My biggest hardship in life is lack of proper source of income to support my family. " (Occupation: Small business)

"My biggest hardship in life is low source of income to cater for our family. " (Occupation: Small business)

"My proudest achievement is that we have struggled to build a better house since we used to live in a grass thatched house." (Occupation: Small business)

"We're planning to spend our transfer on three ways namely; Building another house since the local culture dictates that we change the house secondly, we intend to pay school fees for our first born child who is in form one now and lastly the remaining bit, we'll use in starting up a business to help with income generation."

"I'm planning to spend my transfer on three things namely; Building my own house since I currently stay in my brother's house secondly I intend to pay dowry at my wife's home and lastly I will use the rest to start up a small business to compliment my taxi business. "

"The biggest hardship I'm facing currently is on making ends meet,my fish business is not doing very well due to lack of capital."