"I am planning to pay school fees for my children, enlarge my house, buy household items and build a toilet." (Country: Kenya)

"I am planning to buy chairs with the first transfer. The second transfer I will use to repair my house and buy oxen to use when ploughing my farm. The third transfer I will use to start a small business?" (Country: Kenya)

"I am planning to start a small business with the first transfer. The second transfer I will use to enlarge my house and the third transfer I will use to buy livestock." (Country: Kenya)

"I am planning to build a house." (Country: Kenya)

"My spouse and I are planning to build a house, buy chairs and hopefully if any cash remains we can start a small business." (Country: Kenya)

"I am planning to build another house for my children to sleep, improve my main house by cementing the floor and wall, buy a dairy cow and a water tank." (Country: Kenya)

"I am planning to expand my house so that church visitors can fit in whenever they visit, pay dowry, pay my college fee and expand our doughnut business." (Country: Kenya)

"I am planning to back to school to pursue my university education and use part of the money to purchase land for dwelling." (Country: Kenya)

"I am planning to expand my shop business, expand my house to accommodate my family and visitors, and buy tools for quarry mining." (Country: Kenya)

"I am planning to set up a shop business that will generate some income for my family.I'm also planning to send my daughter to school,she is supposed to join form one this year hence I have to prepare adequately." (Country: Kenya)