"I plan to renovate my house, buy a ploughing machine for farming, boost my business and pay school fees."

"The biggest hardship was living in the centre and paying rent,yet you don't have a permanent source of income,I have my daughter who should be in high school but due to lack of school fees she is always at home."

"I am planning to build a toilet as we currently have none, we also need to build an external kitchen. Some of the money will be used to buy some free range chicken which we will rear and sell their eggs and meat in various markets. The remainder of the transfers I will use to pay school fees for my children who are in primary school."

"We are planning to pay school fees for our child who is in university and the remainder of the transfers we will use to buy materials to be used to build ourselves another house."

"The biggest hardship that I face in my life is that we are dependent on our farm but at times it does not do well so it really gives us a big challenge when it comes to providing food and basic education for our children as most of the times they are sent home for school fees."

"I would like to build a new house because this one is old since it was built eight years ago. I would like to spend the rest on school fees because I have a son who owes the school 42000 KSH."

"I am planning to spend my transfer on paying school fees for my three children who are in secondary school and I will also use some part to buy a water tank of 5000 litres so that I can use it to harvest water as our area is usually has water shortage problem."

"I plan to pay school fees, build a new home and to invest in business."

"I would like to use part of the transfer to buy farm equipment to enhance farming and increase production . Secondly l would wish to expand my house because it is not spacious enough to accommodate my family. I would also like to pay school fees for my nephew who is a total orphan and has fees problem. Finally I would wish to pay dowry to my parents inlaw to appreciate them."

"I plan to pay school fees and accessories like uniforms and stationery. I also need to renovate my house and buy livestock especially cattle."