"I paid 3,000KES for school fees, and spent 1,000KES on buying school uniform. I also spent 4,000KES on capital to start a vegetable and fish selling business. The remaining 2,000KES was spent on household expenses."

"I plan to build a bedroom for my children, and buy 2 oxen for ploughing my piece of land. I also hope to start a business in making and selling school uniform."

"I'm planning to buy some two oxen and an ox-plough. This will help me cultivate my farm in time and get enough produce." (Occupation: Small business)

"I'm planning to build a new iron roofed house because my current house is too old and can go down anytime. I'm also planning to pay fees to my son in high school." (Occupation: Small business)

"The biggest difference in my daily life is that my son has a house to sleep in." (Occupation: Small business)

"I spent my first lumpsum transfer on building a kitchen for my wife.I also added capital to my fish business and my wife started a cereal business."

"I bought cement for cementing the floor and walls of my house. I also fixed a fascia board on the roof of my house, and spent 4,800KES as capital for my maize selling business." (Occupation: Small business)

"I'm planning to build a new iron roofed house because my current house is too old. I'm also planning to invest the rest in fish business."

"I'm planning to buy a pool table with the transfer for business purpose." (Occupation: Small business)

"I'm planning to pay fees to my son with a portion of the transfer. I'm also planning to repair my house because it is in bad position while the remaining portion I'll invest in livestock." (Occupation: Small business)