"I am planning to spend my transfer on paying school fees for my two children who are in college and secondary school. I will use part of the transfer to renovate my house which is not in a good state, I will open a shop for my wife so that she can sell food stuffs and to complete the construction of my kitchen so that it can have a roof which will enable my two girls to use it as their sleeping place." (Country: Kenya)

"I am planning to expand my house because it is small.I am also planning to spend some part of the transfer on school fees because I have a daughter who passed her exams and is supposed to join form one." (Country: Kenya)

"I am planning to purchase a water tank because it will harvest rain water that we can use for consumption and cooking since we have a problem of water scarcity in this area. I also plan to boost my mining business by hiring some more workers so that we can make more money." (Country: Kenya)

"We would like to buy a sheep because it is easier to raise than a goat. We would also like to expand our house because it is small." (Country: Kenya)

"First,we are planning to hire worker who can cultivate our farm. This is because we are aged and we don't have the energy to do farm work anymore. We are also planning to buy some dairy cows that can produce large quantities of milk for consumption and for sale." (Country: Kenya)

"First,we would like to build a spacious house that can accommodate our expanding family. Secondly,we would like to spend some amount on school fees since it's our major problem." (Country: Kenya)

"We would like to spend the whole amount on school fees. This is because my spouse and I had already planned to join college this year." (Country: Kenya)

"I am planning to purchase land for farming because I live in a small shamba where I am unable to venture into farming." (Country: Kenya)

"I am planning to build a new house because my house is small and the iron sheets are old so my family is rained on during rainy seasons. I also plan to venture into charcoal business so my health can improve because I have been doing sand harvesting and this makes me sick all the time as its not an easy job." (Country: Kenya)

"I am planning to invest in my tailoring business, fence my compound so I can do horticultural cropping, expand my house because its small and I host many church visitors being that I am a pastor, and use the rest on my children's education." (Country: Kenya)