"I used a portion of the transfer to buy 25 pieces of iron sheets, and nails which I'll use to built my house. Bought a cupboard for keeping utensils with a portion of the transfer. Purchased a chair. Bought a second hand motorcycle which I'm planning to use in fish transport business. Bought a goat and a sheep with a portion of the transfer. I also bought corns for family consumption with the rest of the money."

"I spent my first transfer to buy bedding,food and utensils, I also bought motorcycle (bodaboda) for transportation services." (Occupation: Motorcycle or bicycle taxi)

"Receiving this money means i will be able to buy my own motorcycle which Will inturn increase my earnings." (Occupation: Motorcycle or bicycle taxi)

"Receiving this money will help me to buy a motorcycle for my husband .because he is tired of ridding a bicycle.and this will help to make the distance short."

"The biggest difference in my daily life is that I'm happy I already have iron sheets hence I have the hopes of soon building my house." (Occupation: Motorcycle or bicycle taxi)

"I spent a larger portion of my second transfer on building a new house because I ad a leaking grass thatch house. I bought some tools for my spouse which he uses in repairing motorcycle for income because he just completed his mechanical training."

"I feel at peace seeing my child going to school without staying back at home while others are studying. I used feel pain whenever he cries when he couldn't go to school because of lack of school fee." (Occupation: Motorcycle or bicycle taxi)

"I spent the whole of my second transfer on buying a second hand motorcycle for commercial purpose because my spouse was previously employed to work on someones motorcycle."

"I spent 30000 KES of my second transfer on buying a second hand motorcycle which I use for taxi services. I used 12000 KES on buying iron sheets and used the rest of the money on paying for building labor." (Occupation: Motorcycle or bicycle taxi)

"I spent a larger portion of my second transfer on buying cement which I used in plastering my house.I bought a solar panel and a television set. I bought trunk box for storing my clothes. I paid a four months house rent. I bought food, gave my spouse 2000 KES which he used in repairing his motorcycle and saved 5000 KES."