"I am planning to spend my transfer on paying my college fees so that I can advance in my life,I will use part of it to renovate our house that is almost collapsing so that I can go and stay there and I will also start a small business of selling cattle." (Country: Kenya)

"I am planning to spend my transfer on building a house because the house we currently have is in bad state and needs renovation, I will start a small business of selling maize and I will also buy three cows that will be used in ploughing our farm. I will use part of the transfer in renting a farm as the one we have is very small and is not adequate for farming. I will also start a poultry farm. We will use the remainder to settle school fee arrears for our children." (Country: Kenya)

"I plan to boost my hotel business because it's not very stable. The rest i will use to pay school fees for my children." (Country: Kenya)

"I am planning to pay school fees for my children, enlarge my house, buy household items and build a toilet." (Country: Kenya)

"I am planning to buy chairs with the first transfer. The second transfer I will use to repair my house and buy oxen to use when ploughing my farm. The third transfer I will use to start a small business?" (Country: Kenya)

"I am planning to start a small business with the first transfer. The second transfer I will use to enlarge my house and the third transfer I will use to buy livestock." (Country: Kenya)

"I am planning to build a house." (Country: Kenya)

"My spouse and I are planning to build a house, buy chairs and hopefully if any cash remains we can start a small business." (Country: Kenya)

"I am planning to build another house for my children to sleep, improve my main house by cementing the floor and wall, buy a dairy cow and a water tank." (Country: Kenya)

"I am planning to expand my house so that church visitors can fit in whenever they visit, pay dowry, pay my college fee and expand our doughnut business." (Country: Kenya)