"I am planning to spend my transfer on buying more groceries to stock up my retail shop. I am also planning to spend my transfer on starting an M-PESA agency or shop to supplement my current business. "

"The achievement I am proudest of is starting my small business of selling vegetables and fruits on a stall near my house. I mainly sell to villagers. " (Occupation: Small business)

"We are planning to spend our transfer on buying a sewing machine and starting a dress making business, because I have trained as a dress maker, but I lack the capital to start my own business. "

"The biggest hardship I have faced in my is lack of money to pay school fees for my grandchild who is in Onjiko High school. " (Occupation: Small business)

"I plan to build a house I plan to buy household items like blankets and mattresses for me and my children I plan to expand my business of selling chapati "

"I plan to expand my business of selling foodstuffs I plan to pay fees for my college daughter and other children who are in primary school " (Occupation: Small business)

"I plan to expand my business of selling small fish I plan to repair my house I plan to pay school fees for my children " (Occupation: Small business)

"My proudest achievement is that l have struggled and built a bigger house than the one we used to have. " (Occupation: Small business)

"I would like to use part of the transfer to a cow to pay dowry to my parents inlaw. Secondly l would wish to open up a business to generate income to sustain my family. Finally l would like to build a new home for my family. "

"I would like to use part of money to cement my house to avoid frequent maintance since we have grown old. Secondly l would wish to buy sheeps which can be used incase of any emergency. Finally l would like to use the rest of money to expand on our business. " (Occupation: Small business)