"The biggest hardship that I face right now is lack of enough money to start my own hairdressing business, I currently work for other people and the pay is not very good. If I could start my own business it would really benefit my family." (Occupation: Small business)

"I plan to spend the transfer to buy household items like furniture. I also plan to spend the transfer to start a business to boost my income. I also plan to spend the transfer to buy mattress and utensils."

"I spend my first lumpsum transfer on paying school fees for my niece.I also added capital for my tailoring business and is still remaining 20,000 KES which I want to take my son to college."

"I spent my Token payment on construction of a pit latrine, school fee, buying a bed, and a start-up sugar selling business." (Occupation: Small business)

"I am planning to spend at least a half of my transfer to boost my restaurant business since it is my main source of income.I will also buy some goats that will keep my spouse busy as he looks after them." (Occupation: Small business)

"I will spend my transfer to buy building materials like sand,ballast,timber and nails that I will use to build my own house.I will also pay school fees for my kids and lastly,I will boost my fish business." (Occupation: Small business)

"The biggest hardship is lack of capital and not being able to expand my business"

"My proudest achievement is having started a small business selling fish. The profits I gained from the business enabled me to buy a cow." (Occupation: Small business)

"I spent my first lumpsum transfer on moving to my home and building an iron roofed house.I also started a cereal business,bought water container and paid school fees for my nephew."

"I plan to buy a milk cow and 2 goats forvkeeping. I plan to keep money for school fees for my child who is joining form 1 next year; he is sitting for his final primary school exam at the end of the year. I also plan to increase capital for my cereal business to increase my profit."