"Our first plan is to use part of the transfer to build a house in our home. Secondly, we intend to use another part of the transfer to start a small business of selling plastic basins and mugs. Lastly, we plan to use the remaining amount to pay school fees for our child, who is in secondary school in form two."

"Our first plan is to use part of the transfer to open a shop. Secondly, we intend to use another part of the transfer to open a salon and barber shop. Finally, we intend to use the remaining amount to start Mpesa business." (Occupation: Small business)

"We would like to use the transfer on buying two bulls that will help us in farming during ploughing.We will also spend part of the transfer on buying farm inputs like seeds and fertiliser.Secondly, we also intend to start a shop business to boost our income.We will buy shop items like sugar,cooking oil,soap,tea leaves etc."

"The achievement we are very proud of is, having educated our two children up to university level." (Occupation: Small business)

"Our plan with the transfer is to build another house which will be more improved and fully cemented and lastly use the remaining amount to set up a small business of selling foodstuffs here in the village."

"We plan to build a new iron roofed house since the current one is thatched and leaks during rainy seasons, we also intend to start a tailoring business since husband is skilled and due to lack of capital he has not been able to start one,lastly we will use the remaining amount to buy one cow to raise."

"I'm planning to spend my transfer on building a more spacious house,pay school fees for my child in college who is pursuing a media related course and lastly use the remaining amount to start a fish mongering business. "

"I spent the third transfer on buying a steel door 10,000KES and two steel windows 8,000KES. I also paid school fees for my children 5,000KES and added some capital on to my clothes selling business 25,000KES."

"My new goal is to buy an oxen plough and to educate my children all the way to the university." (Occupation: Small business)

"I spent the third transfer transfer on paying driving course for my husband 20,000KES .I also started a clothes selling business 20,000KES and the rest I deposited on to my personal savings account 8,000KES."