"I plan to start a business of buying and selling fish because it will boost my income. I also plan to buy a piece of land,build a house there since I'm tired of paying rent." (Country: Kenya)

"I plan to spend my transfer on school fees,fencing the compound and lastly on building a pit latrine." (Country: Kenya)

"We have planned to plaster our floor with the first transfer,the second one we will build a toilet and pay part of school fees for our children" (Country: Kenya)

"I plan to spend the transfer to build a kitchen and also repair my toilet. I also plan to spend the transfer to pay school fees for my grandchildren. I also plan to spend the transfer to plaster my house." (Country: Kenya)

"I plan to spend the transfer to buy bulls and oxen plough that I will use during ploughing. I also plan to start a business. I plan to spend the transfer to offset the loan that I took and bought a motorcycle." (Country: Kenya)

"I plan to spend the transfer to pay school fees for my grand daughter in high school. I also plan to spend the transfer to start a business. I also plan to spend the transfer to buy bulls and oxen plough that I will use during farming." (Country: Kenya)

"We plan to spend the transfer to build a new house. We also plan to spend the transfer to pay bride price/dowry required by the in-laws. We also plan to spend the transfer to start a family business." (Country: Kenya)

"I plan to spend the transfer to pay school fees for my child. I also plan to spend the transfer to rent agricultural land that I would use to grow crops. I also plan to spend the transfer to pay bride price." (Country: Kenya)

"We plan to spend the transfer to rent a parcel of land that we will utilise for agriculture. We also plan to spend the transfer to buy a mattress and bed being that we currently sleep on a mat. We also plan to spend the transfer to pay school fees for our daughter." (Country: Kenya)

"I am planning to spend my transfer on building a new house as my current house is leaking when it rains, I will also buy windows for my house as currently I don't have any kind of ventilation on my house, I will use part of my transfer on building a better toilet using cement and slab as currently its walls are covered with polythene bags. The remaining amount I will use to buy three cows that I can pay as dowry to my in laws." (Country: Kenya)