"I would like to use part of the transfer to build a new home since we are stay just in rental house. Secondly l would wish to pay school fees for my daughter who is joining form one and my son who is joining technical college. Finally l would like to buy household items." (Country: Kenya)

"I would like to use the first transfer to buy household items. Secondly l would wish to buy oxen to help do farming. Lastly l would like to use the rest of the money to buy motorbike to help generate income to support my family." (Country: Kenya)

"I would like to use part of the transfer to expand my business to generate more income. Secondly l would wish to buy oxen to enable plough my farm. I would also like to to plaster my house to avoid frequent maintance which is very expensive. Finally l would like to use the rest of the money to buy household items to improve the life of my family." (Country: Kenya)

"I am planning to use my funds on my children's school fee and start poultry business so that I have a reliable source of income." (Country: Kenya)

"I am planning to use my transfer to assist my spouse to pay his college fee, expand my soda and tailoring business so that I have a reliable source of income." (Country: Kenya)

"I am planning to expand my house because its small, buy household furniture, and pay my daughter's school fee." (Country: Kenya)

"I am planning to expand my poultry business by buying more chick's, build a new kitchen and pay my children's school fee." (Country: Kenya)

"I am planning to build a kitchen that can also serve as a bedroom for my grown children, expand my house because its small and invest more in my livestock business." (Country: Kenya)

"I am planning to invest in livestock rearing to assist me in future with school fee, boost my maize business for daily income, buy a new door, window, and build a new kitchen." (Country: Kenya)

"I spent my token payment on paying school fees for my child.I also bought clothes for myself." (Country: Kenya)