"I plan to build a better house because I am tired of staying in a leaky thatched house. I also plan to spend a portion of the transfer on school fees because I have a fee balance amounting to 20000 KSH." (Country: Kenya)

"I plan to spend my transfer to set up a cyber cafe and buy some stationary because this business will generate some income for my family. I also plan to spend the remaining amount on second hand motorbike because I would like to own my motorbike that I can use to transport customers to their destination hence maintaining the flow of income in my family." (Country: Kenya)

"I plan to spend part of my transfer on school fees.I have a daughter who is in university and he owes the college a huge amount of money. I also plan to spend the remaining amount on house extension because my house is small." (Country: Kenya)

"My first priority is to spend a portion of my transfer on school fees,books and uniform. I would like to spend the remaining amount to plaster my house inorder to prevent dust-born diseases." (Country: Kenya)

"First, I plan to spend a good portion of my transfer on school fees and education materials. Secondly, I plan to build another house because this one is old since the roof is worn out and one side of the wall is also broken down. Lastly, I plan to buy some seeds so that I can embark on large scale farming inorder to get enough yields." (Country: Kenya)

"I am planning to spend my transfer on repairing my house as it in a bad state, I will spend part of it to take my child to secondary school by paying for her school fees and spend part of in buying a bull and an oxen driven plough for ploughing my farm. I will also spend part of it on renting a piece of land for farming as I have a small piece of land." (Country: Kenya)

"I am planning to spend my transfer on buying a piece of land as we don't have our own because the one we stay in is for our father, we will also buy a motorcycle that we will use in transport business to earn a living and start also a small business of selling clothes. I will spend the remaining amount in buying furniture for our house and complete building our house." (Country: Kenya)

"I am planning to spend my transfer on building a bigger house as the one I stay in is very small and the remaining amount I will use it to pay for school fees for my children who are in secondary school." (Country: Kenya)

"I am planning to spend my transfer on renovating my house so that it can have a new look,I will use part of it to pay school fees for my child in primary school and part of it I will rent a farm so that I can plant my crops as I don't have enough piece of land for agricultural purpose. The remainder of the transfer will be spent on purchasing a water tank as our land is dry and getting water is a challenge hence I will do water harvesting." (Country: Kenya)

"I am planning to spend my transfer on building a bigger house as the one I stay in is very small, I will use part of it to pay school fees for my child who will be joining secondary school next year, I will use some part of the transfer to buy two bulls that I can use to plough my farm and I will build a toilet as currently I don't have any." (Country: Kenya)