"I have planned to expand my house so since the one am in is very small, I would also build a toilet and buy a few livestock to keep. I will also set up a small business" (Country: Kenya)

"I have planned to build a bigger house for my family,I will also want to go back to school." (Country: Kenya)

"I am planning to buy fishing equipment like nets, some of the money I will use to pay dowry to my dead spouse's parents, because in our culture children are only your own after you pay dowry. The rest of the money will be used to buy household items like a mattress, chairs, a bed and also repair my house and install a steel door." (Country: Kenya)

"I am planning to build a toilet as we currently have none, we also need to build an external kitchen. Some of the money will be used to buy some free range chicken which we will rear and sell their eggs and meat in various markets. The remainder of the transfers I will use to pay school fees for my children who are in primary school." (Country: Kenya)

"I am planning to buy a chair, a big plastic container for storing water, some clothes for my children. The other transfers I will use to buy some livestock like cows, goats, sheep and chicken. These I will rear and sell their products, like milk and eggs." (Country: Kenya)

"I am planning to start a small business selling fast moving consumer goods and use the rest of the transfers to buy timber, nails, iron sheets to be used to build myself a house and to pay the construction workers." (Country: Kenya)

"We are planning to pay school fees for our child who is in university and the remainder of the transfers we will use to buy materials to be used to build ourselves another house." (Country: Kenya)

"I am planning to buy a piece of land to build rental houses which will increase my income." (Country: Kenya)

"We are planning to spend the transfer on buying house furniture since we lost everything when our house burnt down,lastly we will use part of it to off set some loan we took when building our current house." (Country: Kenya)

"I am planning to spend my transfer on building a kitchen since I don't have one,buying house furniture and finally buying a cow for milk." (Country: Kenya)