"The achievement I am proudest of is starting my small shop and keeping it running. " (Occupation: Small business)

"The achievement I am proudest of is the fact that I have my own home, which we built together with my husband using money saved from our doughnut making business. " (Occupation: Small business)

"I am planning to spend my transfer on paying school fees for my two children who are in secondary school, I will spend part of the transfer on buying cement that I will use in plastering my house and the remaining amount I will spend on starting a business of selling maize at the local market." (Occupation: Small business)

"I am planning to spend my transfer on buying clothes and pay school fees for our children, I will spend part of the transfer on building a bigger house for our family and build a hut for our eldest son and the remaining amount I will spend on buying two cows and part of it I will invest in our fishing business."

"My proudest achievement is having worked hand in hand with my spouse to assist his siblings finish school. I have managed to assist him in this endeavour by saving profits from my small business. "

"The biggest hardship that I face right now is lack of a sustainable source of income for myself and my family. I run a small business which hardly caters for their basic needs, in order to educate them I usually do quite a number of odd jobs as well but lately my health has been deteriorating and I fear that they may have to defer their studies because I will be unable to raise the required fees." (Occupation: Small business)

"The biggest hardship that I face right now is lack of raw materials to make sisal ropes, I have to purchase the sisal and this ultimately eats into my profits. I am also not fit health wise and I have to eat regular meals but this is not always possible, I fear that I may succumb to the illness if my financial situation does not improve." (Occupation: Small business)

"The biggest hardship I face in life is that I struggle very much to educate my children so that they can have a brighter future than I but lack of sufficient finances become a stumbling block for me." (Occupation: Small business)

"I am planning to set up a business that I will use to provide for my family and plaster my house." (Occupation: Small business)

"We used 36,000KES to buy three cows and took as dowry to my parents' home, bought 10 iron sheets at 7,000KES, used 5,000KES to expand on my omena (small fish) business and then used the rest on food for my family."