"Our proudest achievement is that we have managed to buy furniture for the household. This was after saving money which we made from the sale of maize we had harvested." (Occupation: Small business)

"I am planning to start a small business, I will either buy and sell second hand clothes or I will use the money to start a business dealing with the buying and selling of stones used to construct houses."

"I am planning to start a small business for my spouse, but she is yet to decide what kind of business she wants to engage in. We also hope to build a better house."

"My biggest hardship is that I lack enough farm equipments that can enable me plough my farm inorder to produce food." (Occupation: Small business)

"My biggest hardship is that my income is too little to support my family. This is because in a day,I can make 100 KSH out of my fishing business and this is the amount I use for budgeting hence at times I even find it difficult to feed my children properly."

"We plan to spend the transfer to pay school fees for our children in high school. We also plan to spend the transfer to start a business to help improve our income. We also plan to spend the transfer to buy bulls and oxen plough to help us during ploughing. This is because ploughing has been expensive because we had to hire."

"We plan to spend the transfer to construct a bigger house to accommodate our family. We also plan to spend the transfer to pay bride price required by the in-laws. We also plan to spend the transfer to buy a cow. We also plan to spend part of the transfer to start a business that we hope to provide us with income in future."

"We plan to spend the transfer to buy household items like furniture because we currently lack enough chairs. We also plan to spend the transfer to buy oxen plough and two bulls which we will use for ploughing. We also plan to spend part of the transfer to start a business as away of diversifying our income sources."

"My happiest part of the day is in the evening when have done business and got some money to buy food for my family." (Occupation: Small business)

"The happiest of my day is when I go out in the morning to do my taxi business on the motorcycle and I come back home with money that we can use to buy food,then I am happy."