"I plan to build a house and to boost my business. Stability of my business means I will be able to provide for my kids." (Occupation: Small business)

"My proudest achievement is that I have plastered part of my house by doing small businesses." (Occupation: Small business)

"I am planning to use my transfer on my daughter's primary education. She is blind and in special school with fee balance of kes 51,000. I also plan to venture into fish business so that I am able to feed and educate my children." (Occupation: Small business)

"I am planning to use my funds to legalize my marriage by paying dowry, expand my house because it's too small for my family and set up a fish vending business as an income generating activity."

"My proudest achievement is that I used to have a business through which I used to educate my siblings. I have also managed to build the house I am in." (Occupation: Small business)

"I am planning to spend my transfer on expanding our businesses as a family as my husband has a business of selling belts and socks while I have a shop, I will also spend part of the cash to pay school fees for my kids as three are in secondary school and the other one in college."

"I have planned to buy some goats with the first transfer,then I will build a bigger house and expand my business." (Occupation: Small business)

"The biggest hardship is that our area is not fertile and since we depend mostly on farming we find it very difficult to put food on the table." (Occupation: Small business)

"I have planned to buy a bicycle with the first transfer,I would also go and pay school fees for my children. I will also build my house and set up a small business."

"I am planning to inject some capital into my brick making business, pay school fees for my two daughters who are in secondary school and finally build my own homestead."