"I plan to spend the transfer to buy oxen plough. I will use it to plough my farm and also for the villagers at a cost. I also plan to use part of the transfer to pay school fees for my younger brother in high school. I also plan to use part of the remaining balance to buy furniture." (Country: Kenya)

"I plan to spend the transfer to purchase my own sewing machine. I will use this to make ready made clothes and even do repair of torn clothes for other villagers. I also plan to pay school fees for my daughter in high school. I also plan to build a small kitchen." (Country: Kenya)

"We plan to spend the transfer to pay school fees for our children. We also plan to spend the transfer to buy furniture. We also plan to use the transfer to build iron roofed house." (Country: Kenya)

"We plan to spend the transfer to pay dowry. We also plan to use part of the transfer to buy a piece of fertile land which we can use for agriculture. We hope to increase the harvest through this." (Country: Kenya)

"I plan to spend the transfer on furniture. I also plan to spend part of the transfer to pay debt of Kshs. 5,000 which I owe. I also plan to buy second hand motor cycle. I will use this to drive villagers to and fro nearby centres at a fee." (Country: Kenya)

"I plan to spend the transfer to buy furniture and other household items. I also plan to use the transfer to pay school fees for my grandchild who is to join form one." (Country: Kenya)

"We are planning to spend our transfer on cementing our house,changing our house doors from wood to metal and finally buying some cattle to keep." (Country: Kenya)

"We are planning to spend our transfer on building a bigger house,buying two bulls for ploughing and lastly paying of school fees for our children." (Country: Kenya)

"I am planning to spend my transfers on the following;Cementing my current house,paying of college fee for my daughter and finally constructing a toilet since we don't have one currently." (Country: Kenya)

"I am planning to improve my house by cementing the floor and wall. I plan to buy fencing materials to fence my compound and use the remaining amount on school fee." (Country: Kenya)