"I would like to use part of the money to cement my house to avoid frequent repair. Secondly l would wish to pay school fees for my children. Finally I would wish to open up a business to generate income to support my family. "

"My biggest hardship in life is unreliable source of income to educate my children. " (Occupation: Small business)

"I would like to use part of the money to cement my house to avoid dust and improve my health. Finally Iwould wish to expand my business to generate more income to sustain my family. " (Occupation: Small business)

"I would like to use part of the money to pay school fees for my children. Secondly l would wish to cement my house to improve my living standards. I would also like to pay dowry to parents since my husband had not gone to my parents. Lastly l would like to open up a business to substitute my husband's source of income."

"I would like to use part of the money to build my own house since l do not have any house. Secondly l would wish to expand my business to help generate more income. Lastly l would like to use the rest of the money to do farming in order to increase productivity. " (Occupation: Small business)

"We are planning to spend our transfer on iron sheets and other building materials so that we may build a bigger house with a metal roof. We are also planning to spend the transfer on starting a fish mongering business, because we live near the lake and so we can source the fish from around our area and sell it in places farther from the lake. "

"The biggest hardship I have faced in my life is lack of food and money." (Occupation: Small business)

"I am planning to spend my transfer on iron sheets in order to build a new house with iron roof. I will then spend the rest of the transfer on food and maybe start a business. "

"l spent 12000 kshs to buy furniture, l also spent 10000 kshs buy 3 sheep, l spent 10000 kshs to pay collage fees for my wife, the remaining balance l spent to start a small scale business."

"l am now staying in a nice comfortable house." (Occupation: Small business)