"I am planning to build my own house because I am currently homeless, expand my business so as to earn more income and be able to feed and educate my children." (Occupation: Small business)

"The biggest hardship I face in life is that I lack money to build my own house because my income is little." (Occupation: Small business)

"The biggest hardship I face in life is that I operate a small business and my spouse is a casual labourer and so the income we generate isn't enough to feed the family." (Occupation: Small business)

"Am planning to use part of the money to expand my shop business, then apply for electricity with some and plaster the floor of my house and finally pay school fees for my children with the remainder. " (Occupation: Small business)

"Am planning to use part of the money to build a three roomed semi-permanenet house since am homeless and live in a one roomed rented house, I also plan to pay school fees for my children and start a small business of selling foodstuffs. "

"My proudest achievement is buying a sewing machine from selling rice that I farm. " (Occupation: Small business)

"I am planning planning to spend the transfer on cement and labour so that I may plaster the walls of my house. I am also planning to expand my small business of selling vegetables in the market. " (Occupation: Small business)

"I am planning to spend the transfer on cereals to boost my cereals business in the market. Currently, I am trading in cereals but I don't have the capacity to trade large scale. " (Occupation: Small business)

"I used the transfer to add stock in my shoe business (25000 KES) and a bull cow (20000 KES) and the 5000 KES on household shopping."

"We plan to spend the transfer to pay school fees for two of my children in high school. We also plan to spend the transfer to buy a cow. We also plan to spend the transfer to start a business."