"The achievement I am proudest of is buying the furniture in my house using money I got from my charcoal burning and selling business. "

"I paid hospital bill 5000 KES, spent 3000 KES on my business and bought food with the rest of the money." (Occupation: Small business)

"Am planning to use part of the money to take back my wife in college to finish her course in community development and social work. Then use the remaining to boost my current shop business. "

"Am planning to use part of the money to open a salon business since am a trained, start a poultry business and use the remaining to buy two diary cow. "

"Am planning to use part of the money to build a three roomed house, set up a fish mongering business and use the remaining to buy diary cows and pay school fees for my children. "

"The achievement am proudest of is I have been able to see my two sons and daughter through secondary school despite the economic hardship I face. " (Occupation: Small business)

"The biggest hardship am facing is am HIV positive and I can't do hard jobs yet u have grandchildren in high school that depends on me. I don't have a job and I depend on sewing sisal ropes for sustainability. " (Occupation: Small business)

"I am planning to repair my house (cement) pay school fees and buy a cow with the upcoming lumpsum transfer." (Occupation: Small business)

"I have planned to expand my business with the first transfer,then I will expand my house and buy household furniture and the last one I will use it to seek treatment." (Occupation: Small business)

"I started a kiosk business with 4000 KES, paid school fees 3000 KES, bought school uniforms 550 KES and the rest spent for shopping." (Occupation: Small business)