"I plan to spend the transfer to pay school fees for my son in high school. I also plan to spend the transfer to buy bulls and oxen plough that I will use during ploughing. I also plan to spend the transfer to expand the size of my house to accommodate my big family. I also plan to spend the transfer to revive my earlier business of selling fish."

"I plan to spend the transfer to pay school fees for my daughter in high school. I also plan to expand my house to accommodate my family. I also plan to spend the transfer to construct a toilet."

"I plan to spend the transfer to construct a bigger house and plaster it. I also plan to spend the transfer to pay school fees for my daughter in high school. I also plan to spend the transfer to boost my business."

"I plan to spend the transfer to pay school fees for five of my children in University and in high school. I also plan to spend the transfer to buy household items like furniture. I also plan to spend part of the transfer to buy hybrid crop seeds that I will use to maximise my harvest."

"The biggest hardship I face is the burden of school fees. I still have school going children."

"I would like to use part of the transfer to buy a piece of land where we can build our own home since we do not have enough land . Finally we would like to pay school fees for our children."

"I have planned to pay school fees for my children,I would also like to expand my house and buy a few livestock and keep."

"I am planning to spend my transfer on expanding our businesses as a family as my husband has a business of selling belts and socks while I have a shop, I will also spend part of the cash to pay school fees for my kids as three are in secondary school and the other one in college."

"I have planned to buy a bicycle with the first transfer,I would also go and pay school fees for my children. I will also build my house and set up a small business."

"I am planning to inject some capital into my brick making business, pay school fees for my two daughters who are in secondary school and finally build my own homestead."