"I bought cement (14000 KES) soil (3000 KES) a cow (12000 KES) and the rest am using on my business." (Occupation: Small business)

"I am planning to use my upcoming lump-sum payment to organize for my dowry payment and to build a new house." (Occupation: Small business)

"I bought shop items and started a shop business at 8,000KES then bough 70 kilograms of maize at 1,450KES."

"I am planning to clear school fees for my children, buy some bedding and give one of my son in a college using some parts of this my upcoming lumpsum payment." (Occupation: Small business)

"GD sends cash transfer directly to individuals and they are able to independently decide what to do with it, while other NGOs come with fixed projects to the community that sometimes benefit just a few." (Occupation: Small business)

"The first amount you gave me l use to buy solar so right now l no long spend money to buy paraffin for lightening." (Occupation: Small business)

"Am planning to buy a cow, expand my omena (small fish) business and then renovate my house." (Occupation: Small business)

"I would like to invest my upcoming lumpsum payment in cereal business and complete cementing my main house with the remaining amount."

"Am planning to repair my house by cementing the walls, then expand my hotel business and bring fish nets from Kisumu to sell." (Occupation: Small business)

"I paid 5,000KES school fee for my son in high school, used 2,500KES to bring back my fallen fish business then bought a 20 liter jerrycan of oil for my fish business."