"The proudest achievement is that I have built a house and I am taking my children to school." (Occupation: Small business)

"My proudest achievement is having managed to save money that I get from my small business, with these savings I have been able to educate most of my children up to secondary school level." (Occupation: Small business)

"I am planning to start a small business, the business will be a barbershop and I will also be charging phones for villagers who don't have electricity, thus I will need to build a small premise and pay the electricity utility company for power connection."

"I spent my first lumpsum transfer on building an iron roofed house.I also started a second hand clothes business and bought a cow."

"The biggest difference in my daily life is that I am soon having a big good house." (Occupation: Small business)

"I spent my first lumpsum transfer on paying school fees for my child.I also added capital to my business and bought food."

"The biggest difference in my daily life is that I have a daily income from my motorcycle business."

"I used a larger portion of the transfer to pay fee to my son in secondary school. I also invested the rest in fish business." (Occupation: Small business)

"I bought sheep @ 2,200KES, and spent 1,000KES on utensils, 2000KES for school fees, 2,000 capital for fish and vegetable retailing business."

"I'm planning to invest a portion of the transfer in livestock. I'm also planning to cement the floor of my house because at the moment it is earth and get dusty quickly." (Occupation: Small business)