"I am a business man operating a small shop at the trading centre for over 20 years now. It is where I get income to fend for my family of 13. The business has been struggling since I do not have enough capital to buy more stock. On receiving this money, I plan to be using half of the monthly transfers to buy more stock for the business which I believe will go along way in being a reliable source of income for my family. I will also be spending 500 KES to pay school fees for my two children who are in primary school. The rest of the money will be spent on food and buying clothes for my family."

"Hunger has been a challenge to my family of seven since I used to do subsistence farming but due to the drought experienced in the area, it is now unreliable leading low/ no harvest. This has brought so much stress to me as the bread winner who can not afford the basic needs for my family."

"Hunger is the main challenge we are facing in my family of five. This is because there is no one with a stable job. My spouse does odd jobs in Mombasa where he earns peanuts which can not cater for all the basic needs such as food and school fees. It has been a hell of an experience enduring this condition. My three children in school are also lacking school fees and this has really affected their academic performances."

"Enhancing the living standard of my life is all what it means receiving this money to my household. Currently, I share one room with my 4 children and the first born is 7 years old. This makes me uncomfortable because of privacy and it is not right according to our culture. It has forced me to think of having a spacious house in order to accommodate us separately. Once I receive the transfers, I will spend all of the first trench to build a bigger house of 3 rooms. The second one will use it to furnish the house with bedding and indigenous goats so as to create an investment that will help me in future."

"My goal is to start a livestock farming once I receive the transfers. This is helpful because it an investment that is viable in our area. Due to the prolonged drought, crop farming does not do well. I am planning to spend the first trench to buy 10 indigenous goats and construct a shade where they will not be rained on. As they multiply, I will sell at a profit and cater for any arising needs such as food. I will also use the second on school fees for my children as well as other domestic use."

"Financial instability is the major challenge that I am currently facing. My spouse lost his job as scrape metal dealer when the government seized their operations 1 year ago. He now works as a casual earning less than KES 8000 a month. The money is not enough for him and here at home. I require KES 400 to cater for the daily needs. Due to this, I have been struggling to make ends meet."

"My house is on the verge of collapsing. I have sleep night for fear of being buried alive because of the condition of my structure. I am planning to use my transfers to build a two-bedroom semi-permanent house."

"I am planning to use my transfer to build a structure. The one-bedroom house we are living in does not have enough space for my family. ( I have five children) I will spend the remaining amount on the purchase of goats which will act as an investment."

"I will use my transfers to pay school fees for my son. He is undertaking an electrical course at a polytechnic. The rest I will use to boost my food vending business. I operate a food vending kiosk in a nearby primary school."

"Financial instability is our major challenge. My husband who is the sole breadwinner is employed as a truck driver supplying goods to shops. His salary is way too low and can not sustain the needs of our growing family. This is because he has never received any salary increment and the price of basic commodities have skyrocketed."