"My proudest achievement is that through the small businesses we engage in, we have managed to sustain our children in school." (Occupation: Small business)

"The biggest difference in my daily life is that I plough with my cow and not my hands." (Occupation: Small business)

"I used the transfer as capital to start a fish selling business."

"I plan to buy a cow for keeping, pay school fees for my child. I also plan to buy cement and cement the floor of my house to make it more presentable." (Occupation: Small business)

"I plan to invest it on a stone selling business. We will be shaping the stones used for building houses."

"Increase stock for my business. I sell second hand shoes."

"I'm planning to build a nice iron roofed house and furnish it." (Occupation: Small business)

"I used 5,000 kES to pay my son school fee. I also invested the remaining amount in tailoring business."

"I'm planning to cement both floor and walls of my house because at the moment it's earth and need frequent repairs which on the other hand is expensive. I'm also planning to invest the remaining amount in livestock." (Occupation: Small business)

"I'm planning to invest the entire transfer in retail shop business."