"The biggest hardship we're facing currently is on making ends meet and on paying school fees for our children, the motorcycle my husband uses for the taxi business belongs to someone else and most of the proceeds go to the the owner." (Occupation: Motorcycle or bicycle taxi)

"I spent 40,000 KES of my second transfer on adding capital to my spare parts in my motorcycle business.The rest of the money I used to pay school fees for my child." (Occupation: Motorcycle or bicycle taxi)

"The achievement I am proudest of is building our own house. " (Occupation: Motorcycle or bicycle taxi)

"My proudest achievement is that l have struggled to clear my fee balance in order to obtain my forth form certificate. " (Occupation: Motorcycle or bicycle taxi)

"I have a new goal of buying a water tank for fetching rain water." (Occupation: Motorcycle or bicycle taxi)

"I have a new goal of buying a motorcycle."

"The biggest hardship we are facing currently is on making ends meet and on paying school fees for our children, the motorcycle my husband uses for the taxi business is not his and most of the profits goes to the owner leaving him with little to bring home." (Occupation: Motorcycle or bicycle taxi)

"Am planning to build an iron roofed house then do sugarcane farming." (Occupation: Motorcycle or bicycle taxi)

"I spent the whole of my second transfer on paying a loan which I borrowed to buy motorcycle." (Occupation: Motorcycle or bicycle taxi)

"The happiest part of my day is in the morning morning when I am ferrying passengers to their places of work using my motorcycle. " (Occupation: Motorcycle or bicycle taxi)