"We plan to spend the transfer to construct a new house. We also plan to spend the transfer to start a business that will help us get additional income."

"We plan to spend the transfer to construct our own house being that we are staying in a rental house. We also plan to spend the transfer to boost our small business."

"Our proudest achievement is that two of our children have finished high school through our hard work." (Occupation: Small business)

"My proudest achievement is that I have worked hard to build my house because my spouse left me in a very small house and I have taken good care of my children by engaging in saving and loaning group activities." (Occupation: Small business)

"My proudest achievement is having started a small business and using the profits to buy household items. The business has also enabled me to educate my children."

"I plan to cement floor and walls of my house. I also plan to buy ironsheet and timber and build an iron roofed house for my son. We also want to increase capital for my wife's vegetable selling business."

"I paid 3000KES for school fees, and spent 5,000KES on buying materials (ironsheet and nail) for building an iron roofed house. I also spent 2,000KES in increasing capital in my business for preparing building stones and selling."

"I'm planning to build a new spacious iron roofed house because my current house is too small. I'm also planning to invest the remaining amount in retail shop business."

"I'm planning to buy a cow which will give me free milk in the future. I'm also planning to enlarge my house because it is small in size then cement the floor with the remaining amount." (Occupation: Small business)

"I had built a house but was unable to finish it. I therefore hope to finish it and cement the floor and walls. i will also pay school fees for my child." (Occupation: Small business)