"I am planning to build a new house because my house is small and ugly, purchase household furniture because I have very old ones and acquire a dairy cow so that my children have a constant source of milk."

"My proudest achievement is having started a small business selling fish. The profits I gained from the business enabled me to buy a cow."

"We plan to spend my upcoming lump sum payment on cementing our existing house and buying a big cow to provide milk in future."

"I spent my first lumpsum transfer on buying a cow and 2 goats.I also paid school fees for my child and bought a set of chairs."

"I plan to buy a milk cow and 2 goats forvkeeping. I plan to keep money for school fees for my child who is joining form 1 next year; he is sitting for his final primary school exam at the end of the year. I also plan to increase capital for my cereal business to increase my profit."

"I bought building materials (iron sheets, timber), a cow at 17,000 KES and cushions. I saved 10,000 KES to buy a cow."

"I bought a cow worth 6,000 KES.I also bought chairs with the remaining portion."

"I want to spend my transfer on the following ways;building a bigger house since my current house is small,buying furniture and lastly I will buy a cow that I will sell in later years to pay my child's school fees when he shall have joined secondary school by then."

"We are planning to spend our transfer on the following ways;building a kitchen and a toilet,buying myself some cows to look after and lastly should it remain,I can get another second hand motorcycle."

"I spent my first lumpsum transfer on buying a cow.I also payed school fees and built a house for my children."