"I plan to spend the transfer to construct a new house. I also plan to spend the transfer to buy a cow. I also plan to spend the transfer to buy furniture."

"I plan to spend the transfer to plaster the floor of my house. I also plan to spend the transfer to buy a cow. I also plan to spend the transfer to construct a toilet."

"I am planning to spend my first transfer on buying food and part of it I will spend on buying seeds that I will plant on my farm, the second transfer I will spend on buying two cows that I will spend on paying for dowry for another wife as currently I am a widow and the final transfer I will spend on taking my son to college so that he can be an engineer."

"l want to build latrine so l bought 6 bags of cement at 650 kshs each, paint 350 kshs, sand t 1000 kshs , nails at 300 kshs, l also bought cow worth 10000 kshs, l also use 4000 kshs for medication, l still have some remaining balance."

"I am planning to buy sand, cement, timber, round poles, nails and iron roofing sheets which I will use to build a better house for my family. The remaining transfers will be used to buy household items like chairs and finally I hope to buy a cow."

"I spent my first lumpsum transfer on building a toilet.I also bought a cow,2 goats,chair cushions and maize."

"I plan to start an animal (cow, goats and sheep) business and then start paultry raring in my compound."

"We bought a cow at 15,000 KES, 3 sheep at 6,000 KES, a mattress at 4,500 KES and a bag of maize at 3,000 KES. We also bought iron sheets at 3,000 KES to construct a cow pen and the rest of the transfer will be spent on school fees next term."

"I am planning to clear school fees, buy cows and fence my compound."

"I'm planning to buy 2 cows and build kitchen."