"The money helped me expand my business and pay for the business licence. This now means that I am more settled and do my business without having to look over my shoulders all the time for the city council officers which has resulted in more profits. I now have an easy time paying for my bills and providing for my family which was quite a task before."

"I had always longed to have my own business because the casual jobs I depended were very unreliable and irregular which made me idle most of the time. The idle moments were spent with a group of friends who led me into drug use which is also very expensive. I decided to spend the entire amount I received on starting a second-hand cloth business. The money helped me to purchase the stock and rent a shop."

"My top concern is unemployment because I have two children aged eight and three who depend on me entirely. I was widowed in the year 2015, and I was left with two children to support. If I fail to support them, I will feel like I have failed them and like I have failed in life too. My second concern is conflicts with people. This is in terms of conflicts among friends that come as a result of gossip behaviours or physical fights. This is because of the situations of conflicts that I have had to go through. The most hurting was the case where I was accused of killing my husband who died through a road accident. My close friends spread these rumours as they gossiped behind my back, which was hurtful. My final concern is achieving my ambitions because I owe my children a better life than what they have now. If I dont achieve my ambitions, I will have failed as a parent."

"Lack of sustainable source of income has been the biggest hardship in life. Of late I have been less productive due to chest complications majorly because of inhaling smoke and dust while working. I feel so bad when I fail to work since this the main source of income to my family. Everyone depends on me and at times am forced to even work while sick in order to provide food and other necessities. I feel relieved now knowing things are going to ease up a little."

"The biggest hardship I have faced is lack of money. You find that I am the only one working in my family, yet sometimes there are very few clients and out of the little income I have to budget for everything in my house right from school fees, uniforms, food and medication, sometimes when my children fall sick abruptly I end up borrowing from friends without clear definite time of refund, like last month one of the friend that I owe cash took my shaving machine as collateral until I pay him back the money I borrowed from him. "

"I have been dreaming to have my own home since the demise of my husband. However, this has been unfulfilling dream. By receiving this money, I shall spend it on building a new descent house in my piece of land. This will relieve me from the burden of paying rent year in year out. "

"My usual day starts early in the morning at 5:00am when I wake up. I take bath and then prepare for morning classes that start at 7:00am. At 10:00am I have breakfast then resume to class until 1:00pm when I have my launch. After launch I go to the school studio and learn about video shooting. I leave the studio at 4:00pm and open my work of nail art until evening. I return home and prepare for my supper then I retire to bed. In my free time I learn how to make beads, read novels, listen to music or watch movies."

"My first priority is to start distributing and selling of sweets in retail shops around Mathare. There is no competition for this work and is profitable. Secondly, I will use this transfer to return back in college. I was studying sales and marketing but I was unable to continue due to financial constraints. Lastly, I will spend my money on food."

"My first priority is to open a physical bank account to start saving. My money will be safe and I will be able to plan on how to spend. Secondly, I will furnish my house and buy households items because some have worn out. Lastly, I will pay for the National Hospital Insurance Fund( NHIF). This will help to cater for my medical expenses if I fall sick."

"Receiving this money means i will be able to build a better house for my family. I will replace the leaking thatched roof with iron sheets and repair the mud walls because one side collapsed last month due to rainfall. Secondly I plan to use part of the transfers to prepare my two children who are joining high school next year by doing shopping for them such as books, school uniform and toiletries and paying part of their fees. Lastly, I will boost my business of making "mahamri" in a coastal breakfast delicacy here in Kenya. Previously, I would make them and only sell to my neighbors but now I plan to make a larger quantity and sell even in the neighboring schools. This will increase my income so I can meet my family's needs of food and education with more ease."