"I plan to spend the transfer to construct a house being that am staying in a rental house. I also plan to spend the transfer to buy household items like furniture. I also plan to use part of the remaining balance to start a small business that would help increase my household income." (Country: Kenya)

"I plan to spend the transfer to pay school fees for four of my children at the University and three of my children in high school." (Country: Kenya)

"We plan to build a new house, buy fishing materials for my husband who is a fisherman, and to invest in business." (Country: Kenya)

"I am planning to spend my transfer on buying materials that I use on the lake in fishing as I am a fisherman, I will spend part of it to invest in my wife's business of selling soap and I will also buy some materials that I will use to repair my house as it is not in good condition. The remaining amount will be spend in buying household items like food and furniture so that my family can be comfortable." (Country: Kenya)

"I am planning to spend my transfer on putting up glass on my windows so that I am not affected by cold, I will pay school fees for my child who is in the university and the remainder we will use to start a small business of selling cereal." (Country: Kenya)

"I would like to use part of the transfer to build a new house because my house is very small. Finally l would like to expand my business to generate more income to support my family." (Country: Kenya)

"I would like to use part of the transfer to pay school fees for my son who did standard eight last year. Secondly l would wish to expand and cement my house. l would also like to buy household items for my house. Finally l would like to open up a business to generate income to sustain my family." (Country: Kenya)

"I would like to use part of the transfer to build a new house because my house is in a bad condition. Secondly I would wish to buy a cow which can help us incase of emergency. l would also like to pay the of the money in paying school fees for my children. Finally l would like to open up a business to generate income to support my family." (Country: Kenya)

"I plan to spend the transfer to pay school fees for my child. I also plan to spend the transfer to buy furniture. I also plan to use the transfer to start a small business." (Country: Kenya)

"I plan to spend the transfer to pay school fees for my children in University and high school level. I also plan to spend part of the transfer to finish my house." (Country: Kenya)