"I have planned to expand my house and pay fees for my daughter who will be joining college" (Country: Kenya)

"I have planned to build a kitchen and a "simba" a hut form young men and I will also buy some livestock." (Country: Kenya)

"I am planning to buy carpentry tools, build a small workshop and start my own carpentry workshop." (Country: Kenya)

"I am planning to buy iron sheets, timber and nails and replace my roof as it is leaking, build a toilet, buy a reinforced door as mine is unsafe, buy a few cows to rear for their milk and finally, pay school fees for my children who are in primary school." (Country: Kenya)

"We are planning to buy materials to be used to repair our house, chairs. Our home also needs a fence, so we shall buy poles and wire mesh for the fence. We shall also pay school fees for our children and some orphans we live with." (Country: Kenya)

"I am planning to pay school fees for my three children who are in secondary school, buy cement and sand to repair my floor and enlarge a house that is used as a guest house in our homestead." (Country: Kenya)

"I am planning to buy 5 cows to assist me when I am tilling my farm, some chairs for my house, a bed and a mattress to sleep in since do not have a proper bed." (Country: Kenya)

"I am planning to buy a mattress, a table and pay school fees for my child who is in secondary school with the first transfer. The second and third transfers I will use to buy materials with which I shall build myself a two bedroom gable house and pay workers building it." (Country: Kenya)

"We are planning to spend the transfer on starting a business and paying of school fees to our children ,one is in form three and other two in primary school." (Country: Kenya)

"I am planning to use the transfer on building a better bigger house and starting a business that will help me generate more income to sustain my family." (Country: Kenya)