"I plan furnish my house, buy a ploughing machine for farming and to repair my house by plastering the walls and floor. I also plan to pay school fees." (Country: Kenya)

"We plan to pay school fees, and to boost the small business we run and to build a kitchen" (Country: Kenya)

"We plan to expand our house, furnish it and to pay school fees." (Country: Kenya)

"I plan to repair my house, fixing windows, a steel door and plastering the walls and floor with cement, I also plan to build a toilet and the rest I will invest in business." (Country: Kenya)

"I am planning to spend my transfer on investing on my business of selling cereals so that it can expand and I will spend part of it to rent a farm so that I can increase my area under agriculture." (Country: Kenya)

"I am planning to spend my transfer on building a house as I don't have my own house currently, I will use part of it to invest in my small business of selling clothes and the remainder I will save it for my grandchildren who are very young so that when they reach school-going-age I will pay for them school fees." (Country: Kenya)

"I am planning to spend my transfer on paying school fees for my children who are in primary school and one who passed exams to join secondary school. I will also build a toilet as I don't have one, I will buy a two cows one for milk and the other for ploughing my farm. I plan also to spend part of the transfer on buying a bed and beddings for my children and I." (Country: Kenya)

"l spent the transfer on buying mattress, l aslo bought a bag of maize . l also paid school fee for the children" (Country: Kenya)

"l spent the transfer on buying bedding , l also bought food for the family." (Country: Kenya)

"I used the entire transfer to pay my daughter in high school fees." (Country: Kenya)