"I would like to use part of the money to build a place where I can do business. Secondly l would wish to pay school fees for my children who are in high school and has fees problem. I would also like to buy tools that will help me do my business effectively. Finally l would like to buy household items for my house to improve my life standards."

"I paid school fees 10000 KES, bought two sacks of maize 4800 KES, cement 8750 KES, labor charge 15000 KES, spent 9000 KES to start small a business and bought clothes with the rest of the transfer."

"Finally I don't feel embarrassed when I meet my sisters whose dowry had been paid because I managed to pay mine." (Occupation: Small business)

"we bought two cows 30000 KES, transport and dowry expenses 5800 KES, bought furniture 4500KES, mattress 3500 KES, trouser suit for my husband 3000 KES, bought my dress 1200 KES, uniform and shoes for my children 2400 KES and spent 10000 KES to start a business for electronic accesories."

"Other NGOs give items to community members that are sometimes not sufficient to the recipients, while GD sends transfers to individual HH and they are able to spend on many needs that are pressing to them." (Occupation: Small business)

"I would like to use part of the money to pay school fees for my children. Secondly l would wish to open up a business to generate income to support my family. Finally l would like to build a new house since my house is in very bad condition. "

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

"Am now doing a grocery business which helps me to cater for my family needs."

"The other NGO is enrolling young children aged below 6 years old, while GD includes everyone." (Occupation: Small business)

"l am planning to start a business and poultry keeping."