"We have planned to expand our house which is small and can not accommodate our whole family well, we will also pay school fees for our children." (Country: Kenya)

"I have planned to set up a business that will help me take care of my children." (Country: Kenya)

"We plan to build a house and pay school fees. My kids go to private schools which are quite expensive, it's worth it because the quality of education is high." (Country: Kenya)

"I plan to renovate and expand my house, pay school fees and to buy cattle and chicken for rearing." (Country: Kenya)

"I plan to build a house and to start a business. I realize that fuel and paraffin are on high demand here, so I will invest in that business." (Country: Kenya)

"We plan to pay school fees, buy livestock like cattle and buy fishing materials like fishing nets and ropes." (Country: Kenya)

"I plan build a new house and to buy cattle." (Country: Kenya)

"I am planning to inject more capital into my small business, I usually sell fish and I would like to be able to buy and sell larger quantities. The rest of the money I will use to buy iron sheets, timber, cement, nails, sand and also to pay workers who will use the materials to build me a house." (Country: Kenya)

"I am planning to use the first transfer to build a toilet, the second transfer I will use to inject some capital into my small business and also buy two oxen to be used to help when tilling my farm. The third transfer I will put into a fixed deposit account so that I can get some interest to help in the future." (Country: Kenya)

"I am planning to buy electrical tools so that I am able to practice my profession which is electrical engineering. I will also use part of the transfers to pay school fees for my siblings, some who are in secondary school and others in primary school." (Country: Kenya)