"I am planning to improve my house by cementing the floor and wall. I plan to buy fencing materials to fence my compound and use the remaining amount on school fee." (Country: Kenya)

"I am planning to spend my transfer on paying school fees for my children, I will also build a bigger house because the one I stay in is in a bad state and its almost falling down. I will also buy a water storage tank as our village has water shortage problem. The remainder I will use in starting a small business of selling cattle." (Country: Kenya)

"I am planning to spend my transfer on constructing a toilet as I don't have one currently and I am forced to use the one belonging to my neighbor, I will also build a bigger house as the one I stay in is very small for my family and I will use part of the transfer to pay school fees for my children. I will use the remainder to start a small business of selling fish in our local market." (Country: Kenya)

"I am planning to spend my transfer on expanding my house by building a bigger one as the one I have is very small,I will buy furniture for the house which include chairs and tables as the ones I have are very old,I will buy two cows and two goats for meat and milk." (Country: Kenya)

"I am planning to repair my house, expand my small business and buy a few household items." (Country: Kenya)

"We are planning to build a better house, pay dowry and if possible enroll the female spouse in an Early Childhood Development Education course, so she can become an ECDE teacher." (Country: Kenya)

"I am planning to expand my small business." (Country: Kenya)

"I am planning to start a small retail shop." (Country: Kenya)

"I plan to build a new house, buy cattle and a ploughing machine for farming, build a toilet and the remainder i will invest in business." (Country: Kenya)

"We have planned to finish building our house and part of it we will pay school fees for our children." (Country: Kenya)