"I plan to spend the transfer to plaster my house. I also plan to spend the transfer to buy furniture. I also plan to spend the transfer to boost my business. I sell maize." (Country: Kenya)

"I plan to spend the transfer to buy a parcel of land. I have a small piece of land in which I built my house and therefore I don't have any other piece of land where I can cultivate." (Country: Kenya)

"I am planning to spend my transfer on building a house first, I will also buy a goat and some chickens and part of it I will use to buy household items like chairs." (Country: Kenya)

"I am planning to spend my transfer on expanding my business of tailoring, I will build a house at home so that I stop stay at the market centre, I will use part of the transfer to buy a motorcycle so that I can use it for transport and the other part I will use to pay school fees for our kids who are in nursery school." (Country: Kenya)

"I am planning to spend my transfer on starting a new business of selling cereals, I will spend part of the transfer on paying school fees for my children and the remaining amount we will spend it on food, clothes and to build a house that has three rooms." (Country: Kenya)

"I am planning to spend my transfer on buying two cows that we will use in ploughing our farm, I will buy two goats that we can keep and sell whenever we have problems with cash and part of the transfer we will spend it in paying for medical bills as I am currently sick. I will also use part of it to renovate my house." (Country: Kenya)

"I am planning to spend my transfer on buying a piece of land so that we can build our home as we are currently in our father's home, I will use part of it to pay school fees for my children and to buy food for my family." (Country: Kenya)

"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)