"I am planning to spend my transfer on building a better house as the one I stay in is almost falling on me hence I will buy thirty iron sheets for my house and also buy twenty iron sheets and build for my eldest son a house too, I will spend part of the transfer also on buying one cow and furniture for my house. The remaining amount I will spend on paying school fees for my child who is in secondary school."

"l spend 12000 kshs to buy furniture , l aslo bought two cow at 20000 kshs , l spend 10000 kshs to pay school fees, the rest l use to improve my business."

"I spent the lumpsum to buy a bull cow (27000 KES), rented a piece of land (6000 KES) clothes, shoes, a sack of maize and other foodstuffs."

"The biggest difference in my life is that i own a house and a cow too."

"I bought a bull cow (37000 KES) and built my son a small house (simba) with the first lumpsum transfer."

"I am planning to repair my house, pay school fees and buy a cow."

"I am planning to repair the walls of my house, two bulls for ploughing and a cow for milk."

"I plan on building a house extension, paying school fees buying chairs and a cow."

"We spent the first lumpsum transfer buy two cows (30000 KES) paid debts,bought mattress, clothes and food."

"I am planning to buy two cows to pay dowry for my wife and start a quarry business."