"We plan to buy a small piece of land for agriculture and then we use the remaining balance to start a business." (Country: Kenya)

"We have planned to renovate our house through cementing of floor using the first transfer. We also plan to use the second transfer to buy a small land. We also plan to use the last transfer to buy a water tank to help us store water from roof catchment." (Country: Kenya)

"We plan to use the transfer to build a house and then I use part of it to pat dowry. We then plan to start a small business. The remaining balance will be spent on school fees for my kids." (Country: Kenya)

"I plan to expand and renovate my house then buy furniture to fit into my house. I also have a plan to start a small business of sugar and cooking oil. I also plan to use the remaining balance to pay school fees for my three kids in high school and one in" (Country: Kenya)

"I plan to spend the transfer money on building a small kitchen and a latrine. I also plan to renovate my house and cement the floor. Since, I don't have enough furniture in my house I plan to use part of the transfer to buy furniture." (Country: Kenya)

"My wife and I have decided to expand the current family shop into a sustainable business to ensure sustainable income for the family." (Country: Kenya)

"I'd like to expand my house, as it is currently too small. I'd also like to buy a cow for milk that I can sell to the community for sustenance." (Country: Kenya)

"I'd like to build a better house for my grandchild and I. I'd also like to have a cow for milk." (Country: Kenya)

"I would like to use part of the transfer to renovate my house by putting glass windows and plastering my house . Secondly l would wish to buy a cow which can help me in future. Lastly l would like to buy household items for my house to avoid frequent borr" (Country: Kenya)

"I would like to use part of the transfer to expand my house because it is small to accommodate my family. Secondly l would wish to pay household items . Lastly l would like to pay school fees for my son who is joining form one next year." (Country: Kenya)