"I paid 2,300KES on medical bill because I received the money while sick in hospital. I spent tyhe rest of the money, 7,000KES on increasing capital for my grocery business." (Occupation: Small business)

"I spent my first lumpsum transfer on paying school fees for my child.I also bought chairs and started a grocery business."

"I am planning to buy sand, cement, timber, round poles, nails and roofing sheets which I will use to build a house for myself. I will also use part of the transfers to start a small business but I have not decided what kind of business it shall be."

"We are planning to buy sand, cement, timber, round poles, nails and pay construction workers who will build us a house using the materials. If there is any money left we will think of starting a small business."

"The biggest hardship that I face right now is lack of enough funds to carry out some activities like starting a small business, I am currently out of work and the little cash I get from fishing is hardly enough to take care of my family's needs."

"I am planning to spend my transfer on paying school fees for my child who is in secondary school,I will spend part of the transfer on plastering my bedroom as it is still made of mud,I will also spend part of the transfer on building a toilet that is cemented, I will also start a shopkeeping business and the remaining amount we will spend on buying clothes for our children."

"We plan to spend the transfer to build our own house being that we are homeless. We also plan to spend the transfer to start a business that would provide us with income. We also plan to spend the transfer to buy household items like furniture."

"Our proudest achievement is that we have been able to build a kiosk in the nearby shopping centre. We hope to get capital and soon start a business."

"I plan to invest in business, renovate my house and to rent land for farming during planting seasons."

"We have planned to boost our business." (Occupation: Small business)