"We are planning to start a cafeteria business in either Homa-Bay or Rongo town."

"Am planning to cement the floor and walls of my house, pay school fee then use the rest to expand my saloon business."

"I built a kiosk shop (24000 KES), school fees(25000 KES)and the rest to add on business stock." (Occupation: Small business)

"l spend the money to build a house so l bought poles at 6000 kshs, timber 4500 kshs, nails at 3200 kshs, 15 iron-sheet at 12300 kshs, l also use 4500 kshs to pay labor, l also spend 5000 kshs to buy 2 sheep, furniture at 13000 kshs , l also bought 1 sack of maize at 3500 kshs the remaining 10000 kshs l gave my wife to add into her business."

"I spent 20,000 KES to clear school fee balance for my child in secondary school, I bought sand at 8,000 KES and added 20,000 KES to my business capital."

"I am planning to expand and plaster my house and to buy an ox." (Occupation: Small business)

"The biggest difference in my life is that I now have cattle, I have paid school fees and able to buy food." (Occupation: Small business)

"I am planning to spend it on building my own house." (Occupation: Small business)

"My life has change because l have dairy cow that l get milk from it daily." (Occupation: Small business)

"I used 5,000KES to start second hand clothes business and bought wooden seat at 5,000KES."