"I plan to spend the transfer on my children's education. I have two children, one is joining form one, and another college." (Country: Kenya)

"I plan to open a shop where I will sell grains like maize, sorghum, beans and other basic household commodities such as sugar and cooking fat for neighbours." (Country: Kenya)

"I am planning to spend my transfer on building a house in our new piece of land that we will buy using the transfer, we will buy a new motorcycle for our taxi business because the one we are currently using is a hired one and I will start a new business o" (Country: Kenya)

"I plan to start a tailoring business, expand my house, I also plan to do large scale farming and the remainder I will use to pay dowry." (Country: Kenya)

"I am planning to spend my transfer on building a kitchen, I will pay school fees for my children, I will also buy a cow that will be used in ploughing my farm, I will rent farms that I can plough so that I increase my farming capacity and buy seeds to pla" (Country: Kenya)

"I am planning to spend my transfer on fencing my home with barbed wire, I will connect my home to tap water because our water source which is the lake is far from my home and I will also use part of the transfer to open a small shop so that I can have som" (Country: Kenya)

"We are planning to complete our house as we did not have sufficient money to do so, school fees for my children is also a priority and they will also need uniforms, thus the money will be a great help." (Country: Kenya)

"I am planning to start a business dealing with clothes and also open a tailoring shop" (Country: Kenya)

"I would like to pay school fees for my child who is moving to form three next year and buy oxen which I will use to plough our farm. If there is any left over cash I will use it to enlarge my house." (Country: Kenya)

"Planning to spend the transfer on extending my house because it is small Planning to go and pay my wife s dowery" (Country: Kenya)