"I will use the next transfer to buy two cows for ploughing and starting a business."

"I plan to spend my upcoming lump sum payment on completion of my housing structure that had stalled , and also paying secondary school fee for my child." (Occupation: Small business)

"We spent my Token payment on secondary school fee for 3,000 KES, increased my wife’s business for 3,500 KES, and bought dry maize for food for 3, 000 KES." (Occupation: Small business)

"I plan to spend my upcoming lump sum payment on changing from my current business to dry maize business, and also constructing a new house"

"I am planning to buy sand, cement, timber, round poles, nails and iron roofing sheets which I will use to build a house for my family. The remaining transfers will be used to start a small business selling fast moving consumer goods."

"I am planning to save half of the transfer for my son who will be joining high school next year. I also plan to venture into sales of second hand clothes because it's a good business that I believe will increase my income and plaster my floor because the area I live is swampy and that makes the floor wet." (Occupation: Small business)

"The achievement I am proudest of is that the land that I have built my house on belongs to me and I acquired it through savings that I had from my business of selling fish." (Occupation: Small business)

"I am planning to spend my transfer on boosting my business through buying more cows that I can sell in the market, I will spend part of the transfer on buying seeds that include maize and beans that I can plant on my farm and the remaining amount I will spend on paying school fees for my children." (Occupation: Small business)

"My proudest achievement is having started a small grocery business and this business has enabled me to feed my family everyday."

"I spent 6,000KES to increase stock for my maize selling business. I also paid 3,000KES for school fees for my child in secondary school."