"I bought a cow at 20,000 KES, paid 7,000 KES school fee for my daughter in high school, bought a sack of maize at 3,000 KES, six bags of cements at 4,800 KES, sand at 1,200 KES, paid 5,000 KES labour charge for cementing the floor of my house, bought clothes and shoes for my children and I at 5,000 KES then used the rest on food for my family."

"l spent the transfer to buy 2 cows at 30000 kshs, l bought windows at 6000 kshs, 1 sack of maize at 2000 kshs, l also paid school fees of 6000 kshs to my children in high school, the remaining balance l spent to buy food."

"I used my transfer to buy two cows (32000), household utensils (10000)and paid secondary school fees for 3 children (8000)."

"I spent 15,000 KES to buy a cow, bought 24 iron sheets for 14,400 KES, mattress for 4,000 KES, poles for 8,000 KES, nails for 1,000 KES and paid 2,000 KES as labour. The rest was spent on buying food."

"I spent 7000 KES of my first lumpsum transfer on 10 iron sheets, 11000 KES on a sofa set, 3000 KES on timbers, 1800 KES on a mattress, 2200 KES on a sheep, I settled hospital bills for my child with 5000 KES, we paid my dowry with a cow worth 13000 KES and and we spent the remaining 6725 KES on food."

"I bought three cows 42000 KES and paid school fees of 8000 KES."

"I spent my first transfer on a big cow for 18,000 KES, 2 goats for 7,000 KES, Poultry project for 15,000 KES and secondary school fee for 10,000 KES"

"I spent my first transfer on buying a cow for 15,000 KES, building a house for 30,000KES, and food for my family for 5,000 KES."

"I would like to use part of the money to cement my house to avoid frequent maintance since it is very expensive. Secondly l would wish to buy a cow for future use. Finally l would like to open up a business to generate income to support my family. "

"Am planning to build an iron roofed house with cemented walls and floor then buy either a cow or two, depending on the much that will be remaining."