"I am planning to use my upcoming lump-sum payment to plaster my house, to buy a sewing machine and materials an to revive my cereals business."

"Other than getting my wife back from their people after paying her bride price , I have been able to start a small business that enables me to get some daily income for my family. This has been the biggest difference in my life."

"I spent the transfer on buying chairs ksh 4500, 2 plastic chairs ksh 1400, 2 kids plastic chairs ksh 500 and gave my husband ksh 4000 to go invest in the quarry business"

"I want to use the transfer as capital to start a small business for selling plastic items." (Occupation: Small business)

"The biggest difference in my daily life is that I get an income from my small business."

"I spent 5,000KES on buying 2 goats, and 5,000KES on capital for quarry business which is my source of income."

"I used my first lump-sum transfer to buy two sets of chairs (18000),School uniforms (3000), 2 goats (6000) a bag of maize (3000), boost my wife's business (6000), food and emergencies (13000)."

"I plan to buy ironsheet, timber and nails, and extend my house to make it more spacious. I also plan to buy cement and cement the floor and walls of my house to make it look more presentable." (Occupation: Small business)

"GD you can plan with their money while other NGOs you can not because you do not know if they will give you money or not." (Occupation: Small business)

"The biggest difference is that i was able to pay school fees for my child." (Occupation: Small business)