"I am planning to buy cement so that I can plaster my house, the rest of the transfers I will inject as capital into my small business. The business entails buying fish from Lake Victoria in bulk and reselling the fish in the village." (Country: Kenya)

"I am planning to buy cement and sand so that I can plaster my house. The second transfer I will use to pay fees for a certificate course in early childhood education at a nearby college and build a toilet. The third transfer I will save for my child who is in class eight so that if she is supposed to join secondary school next year I will have fees for her." (Country: Kenya)

"We are planning to pay school fees for our child who is joining secondary school this year and the rest of the transfers we will use to start a small business dealing in second hand clothes" (Country: Kenya)

"I am planning to iron sheets for my roof, cement and sand to be used to repair my house, I will also buy household furniture as currently I have none." (Country: Kenya)

"I am planning to buy iron sheets, cement, nails and wood, these we will use to construct a house. We will then use the rest of the transfers to start a small business or kiosk in order to get some income." (Country: Kenya)

"I am planning to buy a cow so I can get milk from it. I will then buy sand and cement so that I build a house, the remainder of the transfers I will use to pay school fees for my children." (Country: Kenya)

"I am planning to buy a mattress for my spouse,cushions for my chairs and pay school fees for my children. The second transfer I will use to buy materials to be used to build myself another house and also purchase a cow, the last transfer I will use to start a small business and also pay school fees." (Country: Kenya)

"I am planning to spend my transfer on paying school fees for my two children who will be joining secondary school this year, I will use part of the transfer on buying a motorcycle that I can use for transport business so that I can earn extra income and the remaining amount I will spend on building a toilet as currently I don't have one." (Country: Kenya)

"I am planning to spend my transfer on renovating my house and also to build a house for my children as currently we are sharing a room, I will also spend part of the transfer to pay school fees for my two children who are in secondary school and the remaining amount I will spend on buying a cow and a goat." (Country: Kenya)

"I am planning to spend my transfer on investing on my business of selling fish and also start a business of brick making so that I can earn more cash, I will also fence my farm so that I prevent cows and hippos from invading my farm and destroying my crops and also to start a business of rearing chicken for sale. I will use part of the cash to pay school fees for my children who are in college,secondary school and a local primary school." (Country: Kenya)