"I am planning to increase stock in my shop business and build a new house because my roofing materials are old and so I am rained on during the rainy season." (Country: Kenya)

"I am planning to cement my house because my walls are made of mud that falls every rainy season, buy foodstuffs such as maize and build a latrine because I always feel uneasy using my neighbour's." (Country: Kenya)

"I am planning to use the funds to fence my compound so that I can venture into horticultural farming, pay my son's secondary school fee and start charcoal business." (Country: Kenya)

"I am planning to build a bigger house because I have a large family and my current house is small, set up a business that involves the sales of grains such as maize, beans and sorghum." (Country: Kenya)

"I am planning to spend my transfer on expanding my fishing business by buying more nets for fishing, I will renovate my house and make it to be more raised so that I am not affected by flood water from the lake, I will also spend part of the transfer on paying for dowry as I haven't paid dowry yet and the remaining amount I will buy a sheep and a goat for milk and meat." (Country: Kenya)

"I am planning to spend my transfer on buying boats and nets that I can use in my fishing business. Will also buy another piece of land because our land is small and I would wish to have another land that I can do farming activity. I will part of the transfer on buying some sheep and cows that I can keep for meat and milk to supplement my family's diet." (Country: Kenya)

"I am planning to spend my transfer on paying school fees for my child who is joining secondary school, I will buy wire mesh so that I can fence my home, I will renovate my house by buying bags of cement to be used in cementing it and I will build a kitchen as I currently don't have one forcing me to cook in the open." (Country: Kenya)

"I am planning to spend my transfer on repairing my house because ever since my husband died the house has not been in good shape, I will pay school fees for my children and to invest the remaining amount in my business of tailoring by buying materials." (Country: Kenya)

"I am planning to spend my transfer on buying cows that will be used in paying for my dowry, we will buy a piece of land as the one we currently stay in is very small and the remainder will be used to start a small business of shopkeeping." (Country: Kenya)

"We plan to buy fishing materials like fishing nets because this is what we depend on to sustain our family. We also plan to build a toilet. The rest we will buy cattle to keep as assets which we can sale later in case we have a problem." (Country: Kenya)