"We need to enhance our home security. This will enable us grow crops with less worries. It will cost $120. In addition, we also have another farm outside the compound. It's not secure, hence we must secure it. That will cost $450. The three acre piece of land will help us produce green grams for both domestic and commercial purposes. Giving us some extra income. Due to favourable conditions for raring goats. We plan to add 5 more costing $200. Now we have 15 goats, adding more will increase our milk and also the numbers available for sell. We also plan to expand our hotel business. Adding a small shop and extending the hotel. That will cost $300. It means we'll have more profits. Improving our living standard as a family." (Occupation: Small business)

"For the transfers, I plan to fence my farm which will enable me to plant crops since the rains have come. I plan to use about 50 dollars of the transfers. I also plan to purchase food and clothing which will enable me to live a decent life. For the second and third transfers, I plan to purchase 25 goats at 30 dollars each. This will assure me of having an investment in the future. For the remaining amount of the transfers, I will repair my motorcycle which I will use to do the bodaboda business. The transfers will greatly change my life positively since I will be able to do things that I could not do before."

"The challenge I'm faced with at the moment is the lack of food. We've not had rain for the past 2 years which has led to prolonged drought. Because of this, I have lost 30 cows which were my only source of income. The loss of my cows has made life very difficult for me and my family since we cannot afford food and we are forced to take one or two meals each day." (Occupation: Small business)

"Receiving this money means a stable source of income for my family. When my mother fell ill fifteen years ago, I became the breadwinner at a tender age. This forced me to drop out of school to take care of her and my siblings. I do casual jobs to earn a living and the $2 I earn thrice a week is only enough to purchase food for the five of us. Due to her ailment, she requires medication and good nutrition which is quite expensive. As a result, I am forced to borrow money from people and even soft loans from mobile banking applications. The transfers will lift a financial burden from me as I will use it to open up a business. This will ensure a consistent flow of income and be in a position to meet the basic needs comfortably. The remaining transfer will go into paying debts and purchasing food."

"We've discussed with my husband and agreed that we'll start a small business. I plan to sell second hand clothes. Most residents travel far to acquire them. We'll use $100 to establish the business. I believe this will support us a family in the short-term. Our house is small and as the family grows we need a bigger one. It's 1-roomed. We'll expand it to a 3-roomed house. That will cost us $300. This means we'll have a decent home. Since the best investment we can have here are goats. We plan to invest big. We currently don't have any. We'll use $700 to buy them. That's 20 goats at least depending on the pricing at that time. The goats will provide us with some security. During emergencies or even to support our children's education in the future."

"The transfers have come as a great opportunity for me to better my life and that of my household. I have the plan to start a business with the transfers. The business will involve purchasing goats and selling them at the slaughter and therefore, for the first transfers I plan to purchase two goats at $40 each. For the remaining amount, I plan to pay off my children's school fees which is about 100 dollars. For the second and third transfers, I plan to pay school fees and also boost the business which I will have started with the first transfers. This transfers will greatly change my life for the better since I will not depend anymore on occasional labor and I will also provide better for my family. This transfers will bring me dignity in society."

"I need to build a good house. Will build a 2-roomed house and also refurbish the small shop I have beside my house. This will cost me approximately $900. It means that I can have a bigger and more comfortable space to live in. For the shop, I can buy extra vegetables and sell here. There's a ready market for vegetables here in the village. The shop will help expand my business. To further grow my income, I plan to use $200 to expand it. That means I will have a stable income for the future."

"I am a mother of 8 school-going children who are at different educational levels. I am a small businesswoman selling fish and other small items locally to get some money. My husband is a fisherman, he is the one we depend on entirely. His work is very unsta, on some days he makes money on other days he makes nothing. We usually need to pay school fees for the children on time to ensure they can sit for the exams. The GD transfers made this happen for us. I have used all my transfers for payment of school fees. In January I paid school fees and exam fees for 4 of my eight children. In February I spent the entire transfer buying items such as uniforms and books for my child who joined junior high school. In March the money also sorted school fees for five children."

"Starting a business is one thing and growing it is another. As a person who has witnessed the transformation of my second-hand clothing business since the inception of the financial aid, I would stop at nothing expand it or at least keep it running. The business has become a crucial source of income, which covers the basic needs like food and education for my family over the period. I hope to continue flourishing the venture, through upcoming cash transfers. "

"By the end of the year, I wish to have started a sardine-selling business in my village. Given the drought in my region, it has been challenging to grow local vegetables, which has made sardines one of the majorly consumed accompaniments to ‘ugali’. Due to the high demand, I am confident this business will progress well, equipping me with profits that will help cover some household expenses. " (Occupation: Small business)