"I am planning to spend my transfer on paying some debt of Ksh. 10,000 that I owe mobile banking Safaricom Mshwari, I will spend part of the transfer to buy cement and sand that I will use in plastering one room and my sitting room as the construction of my house is incomplete due to inadequate cash and the remaining amount I will spend on paying school fees for my child who is in university and the other who is in secondary school."

"I have planned to pay school fees for my grandchildren and build a house for my son."

"I have planned to expand my house which is small,I will also pay school fees for my children."

"I would like to use part of the transfer to pay school fees my school fees since I only have forth form certificate and I would like continue with my education. Secondly l would wish to build iron roofed house."

"I would like to use part of the transfer to pay school fees for my child in high school . Secondly we would like to buy oxen for ploughing our farm to increase productivity. I would also like to cement my floor because it in a very bad condition. Finally l would like to use part of the money to build a pit latrine for my family to improve our health."

"I would like to use part of the transfer to pay school fees for my children in secondary schools since I do not have any proper source of income. Secondly l would wish to build a new home so that we can be independent. Finally l would like to open up a business to generate income to sustain my family."

"The biggest hardship that I face right now is lack of a sustainable source of income therefore my children are often not in school due to lack of school fees and getting them good medical attention is also difficult."

"I am planning to pay school fees for my children who are in secondary school and another one who is in college, buy materials to be used to build a toilet and use the rest of the transfers for basic needs like food."

"I would like to use part of the transfer to build a new house because my house is small to accommodate my family. Secondly l would wish to open up a business to generate income to support my family. Finally l would like to use the rest of the money to pay school fees for my children who are in secondary school."

"I would like to use part of the transfer to use part of the transfer to pay school fees for my son who is in college. Lastly l would wish to do better farming to increase productivity."