"I am planning to spend my transfer on buying boats and nets that I can use in my fishing business. Will also buy another piece of land because our land is small and I would wish to have another land that I can do farming activity. I will part of the transfer on buying some sheep and cows that I can keep for meat and milk to supplement my family's diet." (Country: Kenya)

"I am planning to spend my transfer on paying school fees for my child who is joining secondary school, I will buy wire mesh so that I can fence my home, I will renovate my house by buying bags of cement to be used in cementing it and I will build a kitchen as I currently don't have one forcing me to cook in the open." (Country: Kenya)

"I am planning to spend my transfer on repairing my house because ever since my husband died the house has not been in good shape, I will pay school fees for my children and to invest the remaining amount in my business of tailoring by buying materials." (Country: Kenya)

"I am planning to spend my transfer on buying cows that will be used in paying for my dowry, we will buy a piece of land as the one we currently stay in is very small and the remainder will be used to start a small business of shopkeeping." (Country: Kenya)

"We plan to buy fishing materials like fishing nets because this is what we depend on to sustain our family. We also plan to build a toilet. The rest we will buy cattle to keep as assets which we can sale later in case we have a problem." (Country: Kenya)

"I plan to pay school fees for my eldest child who is to join form one, she is even late because she was to join by January. The rest I will use to pay school fees for the other children." (Country: Kenya)

"I plan to start a business, pay dowry and to buy household items that I lack." (Country: Kenya)

"I plan to build a bigger house. I live in a small one roomed house. I also plan to build a toilet and to pay school fees for my children." (Country: Kenya)

"I plan to start a business of selling paraffin. It's on demand here and the supply is low. I also plan to fence my compound, it's too open. The rest I will use to pay school fees and to plaster my house with cement." (Country: Kenya)

"We plan to buy fishing materials like fishing net. My husband is a fisherman. We also plan to build a new house. The remainder we will invest in business." (Country: Kenya)