"I spent the transfer on paying school fees for ksh 7000 and used the rest on extending my business ." (Occupation: Small business)

"I will clear my daughter's secondary school fees and invest the remaining amount of my upcoming lumpsum payment on rice business."

"i plan to ironsheet for my son to use for building his simba, pay his school fees, and save some money for paying his school fees in future." (Occupation: Small business)

"I expanded my business (5000), bought food (2000) and a goat (3000)."

"I spent 4700 KES my token payment on a mattress, 2200 KES on a sack of maize, and invested the remaining amount on my charcoal business."

"I plan to buy a water tank for collecting and storing rain water, and seats to furnish my house." (Occupation: Small business)

"l spend 5000 kshs to add stock in to my business, l bought uniform for the children at 1500 kshs l also bought one sack of maize at 2500 the rest of the amount l for buying food."

"I am planning to spent it on paying school fees ." (Occupation: Small business)

"The achievement that I am proudest of is that we were able to build our own house and have some furniture in it even though they are few. This we were able to do with the cash that my husband saved while doing motorcycle transport business."

"The biggest hardship that I face in my life is that getting school fees for my children is not easy as farming business at times experience huge losses due to persistent drought and this usually makes my kids to be sent back home when I delay in paying their school fees."