"I am planning to spend my transfer on building a house as the one I have is very small for my family, I will rear some chicken and keep dairy cows using the cash and part of it also I will use to pay school fees for my children." (Country: Kenya)

"I am planning to spend my transfer on building a toilet and a borehole as we don't have any in our compound, we plan to buy 10 goats that we will use to pay school fees for our children when they have grown, we will complete the construction of our house as it is incomplete and the remaining amount we will save in our bank account." (Country: Kenya)

"I am planning to spend my transfer on buying furniture for my house as my house lacks furniture, I will buy food for my family, I will pay school fees for my child who is joining form one in a local secondary school and the remaining amount I will use to start a small business of selling household items like basins, cups and plates." (Country: Kenya)

"I am planning to spend my on paying school fees for my two kids who are in secondary school,I will build a kitchen as I don't have one currently and the remaining amount I will use in buying cement so that I can have my floor cemented." (Country: Kenya)

"I plan to spend the transfer to buy agricultural land that I can use to grow crops. I also plan to spend some of the transfer money to pay school fees." (Country: Kenya)

"I plan to spend the transfer to pay a debt of Kshs.10,000 that I owe. I also plan to spend the transfer to build a house. I also plan to spend the transfer to pay school fees for my grandchild who is in high school. I also plan to use the transfer to buy school uniforms for my children." (Country: Kenya)

"I plan to spend the transfer to construct a house for my family. I also plan to spend the transfer to buy household items like furniture. I also plan to spend the transfer to pay school fees for my daughter in high school." (Country: Kenya)

"I plan to spend the transfer to construct a bigger house for my family. I also plan to spend the transfer to clear school fee balance for my daughter in high school. I also plan to spend the transfer to build a toilet and a kitchen." (Country: Kenya)

"I plan to spend the transfer to plaster my house. I also plan to spend the transfer to build a kitchen where my children can sleep. I also plan to spend the transfer to buy a cow that can provide me with milk." (Country: Kenya)

"I plan to spend the transfer to buy furniture. I also plan to spend the transfer for my medication being that am Asthmatic. I also plan to spend the transfer to start a small business. I also plan to use the transfer to pay school fees for my child in high school. I also plan to spend the transfer to buy household items like utensils." (Country: Kenya)