"I am planning to buy a water tank." (Occupation: Small business)

"I am planning to spend my upcoming lumpsum payment on building an iron roofed house.I also want to add capital to my business."

"I am planning to spend my upcoming lumpsum payment on building a shop.I also want to add capital to my small business."

"I am planning to pay deposit for land to have my own." (Occupation: Small business)

"I bought 30 iron sheets at 15,000 KES, wall poles at 1,500 KES, fisher boards at 1,000 KES, 23 roofing poles at 3,450 KES, eleven kilograms of nails at 3,300 KES, paid 5,000 KES, two sheep at 4,000 KES, used 5,000 KES to clear secondary school arrears and collected my certificate, used 10,000 KES to start a parafine business in my village then used the rest on food."

"l am planning to build a very nice spacious house." (Occupation: Small business)

"I am planning to spend my upcoming lumpsum payment on starting a small business.I also want to expand my house."

"I bought 20 iron sheets att 15,000 KES, wall poles at 6,000 KES, three kilograms of nails at 3,000 KES, roofing poles at 3,000 KES, one big water tank at 1,500 KES, used 4,500 KES to till land, 2,000 KES on weeding, bought two sacks of sorghum at 3,000 KES, one sack of maize at 2,500 KES, used 5,000 KES to start a business, one sheep at 3,500 KES then used the rest on food for the house."

"l am planning to build kitchen." (Occupation: Small business)

"I spent the transfer on farming 4000 KES , house repairs 4000 KES and gave my wife 2000 KES to extend her business ."