"I am planning to buy a mattress, then pay a debt I owe, I had to take a loan in order to pay school fees for my daughter who is in secondary school. The second transfer I will us to pay school fees for my two children who are in college and another one in secondary school. The third transfer will be used to buy iron sheets which will be used to repair my leaking roof."

"The biggest hardship that I face right now is lack a sustainable source of income, this means means that I cannot cater for my children's school fees and they risk being sent away from school."

"The biggest hardship that I face right now is lack of enough money to pay school fees for my children who are in primary school."

"I am planning to inject some capital into my small business, I buy and sell fish and I would like to increase the quantity of stock that I buy. The other transfers I will use to pay school fees for my son who is in secondary school and buy some livestock to rear."

"I plan to renovate my house, pay school fees, buy livestock like cattle and to invest in business."

"We plan to save this cash for school fees. Our eldest child is in form two and we have two more joining Secondary School next year."

"We plan to build a house, pay school fees, and to invest in business."

"The biggest hardship I face is that I have a loan that is due payment and also the burden of school fees."

"I plan to build a home because I am homeless. This may consume all the cash, but if something remains, I will use for school fees."

"I am planning to plaster my house and paint it so that it looks nice. I am planning to spend the remaining amount on school fees."