"The biggest difference in my daily life is that I have a kitchen." (Occupation: Small business)

"I plan to spend my upcoming lump sum payment on putting up a new house and starting a business."

"I used my first lump-sum transfer to clear fee balances for my children and retrieve their certificates (24000), I enrolled my child in college (12000), my husband used 10000 to boost his livestock business and i used 4000 to boost my grocery business."

"I invested 3000 KES of my first lumpsum transfer on maize and beans farming, 6000 KES in phone charging business, I spent 25000 KES on 3000 L Ken Tank, and the remaining 16000 KES on food."

"I plan to buy ironsheet, timber and nails, and build an iron roofed house." (Occupation: Small business)

"I boosted my scrap metal business, because I had used much of the capital and my profit has been low. I also gave 4,000KES to a relative who had given birth and was going through financial difficulties."

"I plan to pay school fees for my children, and buy and fix iron windows." (Occupation: Small business)

"We (recipient and spouse) are planning to spend the upcoming lump sum on building a new house and also investing in dry cereals business."

"I would like to boost my business inorder to increase my income.I would also like to use part of it on school fees.I will use the remaining portion to buy food,clothes and other household items." (Occupation: Small business)

"I spent the token to pay a loan of 7800 KES and 2000 KES as capital for my business." (Occupation: Small business)