"I spent my token payment on buying cussions for my chairs and repairing the chairs.I also paid school fees for my child." (Country: Kenya)

"l plan to buy cows , l also plan to pay school." (Country: Kenya)

"I used the entire transfer to built my son a hut." (Country: Kenya)

"l spent the transfer to pay school fee ,l also bought two bag of bags." (Country: Kenya)

"First,I would like to buy some household items like mattresses,bedsheets,blankets and some utensils since I don't have them. I would also like to plaster my floor inorder to prevent dust-born diseases. Lastly, I would like to buy some goats because they reproduce faster than cows." (Country: Kenya)

"I am planning to spend part of the transfer on school fees since education is very important. I also have the plans of plastering my house because I would like to prevent diseases that are dust-born. I am also planning to build a kitchen since I don't have one. Lastly, I plan to build another toilet since the one I owned collapsed." (Country: Kenya)

"l spent the transfer to off set my loans.l also bought bedding, l also bought a got." (Country: Kenya)

"We are planning to build a bigger house because this one is small. We are also planning to purchase two bulls and an ox-plough that will aid in farming." (Country: Kenya)

"First,I would like to spend part of the transfer on school fees because I have a daughter who is supposed to join form two. Secondly, I would like to re-design my house by extending and furnishing it since I want to give it a decent look. Lastly,I would like to spend the remaining amount to revive my fish business for sustenance." (Country: Kenya)

"I would like to use part of the transfer to buy household items. Secondly l would wish to expand my house because it can not comfortably accommodate my family. Finally l would like to a kitchen to in preparation of meals for my family." (Country: Kenya)