"I am planning to build a house because I am currently living in a rental house, assist my three siblings with school fee because my parents are jobless and use the remaining amount to boost my hotel business so as to increase my level of income." (Occupation: Small business)

"I plan to pay school fees for my two children in secondary school and in college. I also plan to buy oxen for ploughing my farm." (Occupation: Small business)

"The achievement I am proudest of was owning a sheep which I managed to buy with the little I saved from my fishing business."

"We are planning to build our own house so that we move out of the rental house, offset hospital bill that was accrued following our daughter's heart surgery and set up an Mpesa business where we can earn daily income."

"I spent my first lumpsum transfer on plastering my house.I also built a kitchen and added capital to my clothes business."

"I plan to buy ironsheet, and build an iron roofed house to live in." (Occupation: Small business)

"We plan to invest the money into our small cereal business so that we are able to pay school fees for our children who are in secondary school."

"The biggest difference in my daily life is that my child was able to go to school after dropping out for a long time." (Occupation: Small business)

"I'm planning to use a larger portion of the transfer to pay dowry. I'm also planning to invest the rest in cereal business."

"I spent 5,000KES on buying a fishing net for my husband's work, and spent 5,000KES on increasing capital for my business." (Occupation: Small business)