"I am planning to back to school to pursue my university education and use part of the money to purchase land for dwelling." (Country: Kenya)

"I am planning to expand my shop business, expand my house to accommodate my family and visitors, and buy tools for quarry mining." (Country: Kenya)

"I am planning to set up a shop business that will generate some income for my family.I'm also planning to send my daughter to school,she is supposed to join form one this year hence I have to prepare adequately." (Country: Kenya)

"We would like to build a small kitchen next to the main house because we don't have one.We would also like to send our daughter to school since she passed her exams and she is about to join form one." (Country: Kenya)

"I am planning to renovate my house by adding some more extra rooms inorder to make it spacious. I'm also planning to expand my catering business since it's my main source of income. Lastly,I'm planning to buy some cows that will keep me busy as I take care of them." (Country: Kenya)

"We are planning to build and own a pit latrine since we have none. My wife is also planning to advance her career,hence I'll set aside some amount to cater for her school fees." (Country: Kenya)

"First,we are planning to expand our mining business since it's our main source of income.Secondly,we are planning to plaster our house inorder to prevent diseases that are dust-born . Lastly, we are also planning to fence our compound so as to prevent people from trespassing without permission." (Country: Kenya)

"I would like to use part of the transfer to buy two oxen for ploughing. Secondly l would wish to plaster the floor of my house to avoid frequent repair. Finally l would like to expand my business to generate more income to sustain my family." (Country: Kenya)

"I would like to use part of the transfer to buy oxen to enable plough my farm to improve on production. Secondly l would wish to pay school fees for my son and daughter who are in secondary schools. Finally l would like to plaster my house because I am growing old and maintaining the house is a problem." (Country: Kenya)

"I would like to use part of the transfer to open up a business to generate income to sustain my family. Secondly l would wish to buy a cow to act as security incase of any emergency. I would also like to build a new home for my family. Finally l would like to buy seats to help my visitors to avoid borrowing." (Country: Kenya)