"I am planning to buy household furniture such as chairs, pay school fee for my two children and build a bigger house that can comfortably accommodate my family and visitors." (Country: Kenya)

"I am planning to spend my transfer on renovating my house by plastering my floor using cement and I will use part of it to hire a plough so that my farm can be prepared for planting crops." (Country: Kenya)

"I am planning to spend my transfer on buying a piece of land as we have a small land, I also plan to spend part of the transfer to take my child to hospital as he is sickling and we will spend the remaining amount in starting a small business of selling second hand clothes." (Country: Kenya)

"I am planning to spend my transfer on increasing the number of rooms in my house because currently it is small, I will also have the floor cemented using the transfer and to use part of the transfer in buying two bulls and a ploughing machine for my farming activity. I will pay school fees for my child who is joining class eight this year and use the remaining amount to buy land somewhere else." (Country: Kenya)

"I am planning to build a new house because my current house is a small grass thatched roofed house which is licks during rainy season and is too small for my family. I am planning to use the remaining on food and school fee." (Country: Kenya)

"I am planning to use the transfer to improve on my farming activities and build a new house. My current house is too small and is about to collapse." (Country: Kenya)

"I am planning to use the transfer to pay school fee for my two sons who are in secondary schools. I also plan to buy a bull for ploughing and improve my dwelling by cementing the floor and walls." (Country: Kenya)

"I would like to use part of the transfer to build a house because I do not have any house at home. Secondly l would wish to open up a business to generate income to support my family. Finally l would wish to use the rest of the money to do poultry farming." (Country: Kenya)

"I would like to use part of the transfer to open up a business to generate income to sustain my family. Secondly l would wish to buy oxen and ploughing machine to enhance farming to increase productivity. Finally l would like to expand my house because it is very small to accommodate my family." (Country: Kenya)

"I would like to use part of the transfer to pay school fees for my children. Secondly l would wish to buy oxen to enable me do better farming. Lastly l would like to buy bicycle to enhance movement since I growing old and walking is becoming a problem." (Country: Kenya)