"I would like to use part of the transfer to use part of the transfer to pay school fees for my son who is in college. Lastly l would wish to do better farming to increase productivity." (Country: Kenya)

"I would like to use part of the transfer to buy household items for my house. Secondly l would wish to buy a cow which will help me incase of any emergency. Finally l would like to buy maize inoder to have food security for my family." (Country: Kenya)

"I would like to use part of the transfer to build a pit latrine for my family since l do not have any. Secondly l would wish to expand my house because my house is very small to accommodate my family. Finally l would like to use the rest of the money to buy cows to help me pay school fees in future." (Country: Kenya)

"I would like to use part of the transfer to build a pit latrine for my family. Secondly l would wish to open up a business to generate income to sustain my family. Finally l would like to pay school fees for my son who is joining form one next year and my son who is joining college this year." (Country: Kenya)

"I would like to expand my quarry business by employing more workers who will help in transporting rocks to a variety of markets so that we can make more money." (Country: Kenya)

"I am planning to spend my transfer on school fees since I would like to clear all the fee balance so that my children can stay in school for the whole term." (Country: Kenya)

"I would like to spend my transfer on school fees and education materials. I would also like to build a new house after I have established my home." (Country: Kenya)

"My first plan is to spend my transfer on school fees because I would like my children to learn without interference. My second plan is to buy a water tank that will tap rain water because it is the only way that I can curb water scarcity that is common in this area." (Country: Kenya)

"I am planning to start operating a shop because it is the only business that I'm conversant with. I am planning to spend the remaining portion on school fees." (Country: Kenya)

"I am planning to use my transfer on livestock farming so that I can raise money in future to educate my children, and cement my house so that I don't spend money on repairs frequently." (Country: Kenya)