"I plan to buy a second hand motorcycle for business purposes. I also want to join the Kenya Medical Training College to study nursing."

"I am planning to buy some oxen which will assist me when I am tilling my farm. Some of the transfers will be used to renovate my house and start a small business."

"I am planning to start a small business selling second hand clothes and body lotions. We shall also use part of the transfers to pay dowry." (Occupation: Small business)

"I am planning to start a small business selling cereals and the rest of the funds will deposited in a fixed deposit account, the deposited funds will be used to pay school fees for my children later on."

"I am planning to expand my house because it's small, pay school fee for my two children in high school, buy bulls for ploughing to reduce cost and buy household furniture. I also plan to set up a vegetable vending business so I can generate more income."

"My house is very dusty, I therefore plan to buy cement and sand and cement the floor and walls of my house to make it more presentable." (Occupation: Small business)

"I paid 6,000 KES school fees. I bought my daughter school requirements. I also boosted my hotel business." (Occupation: Small business)

"I bought cushions at 6,400 KES and boosted my shop business with the rest." (Occupation: Small business)

"The biggest hardship I face in life is lack of a reliable source of income as I run a motorcycle business but I have no motorcycle of my own. I am forced to hire and divide the income equally with the owner."

"I am planning to expand my house because it's small, construct a pit latrine to improve the hygiene of my dwelling, clear my debts and set up a small business where I can sell basic household commodities to my neighbours in order to earn daily income."