"I am planning to use my upcoming transfer on paying next year's school fees and i will also invest part of it in my shop." (Occupation: Small business)

"I spent the first transfer to add stock to my second-hand clothes business." (Occupation: Small business)

"I spent my first cash transfer on paying school fees 4,000 KES, business capital for my wife 3,000 KES and spent the remaining 2,900 KES on food and other house expenses." (Occupation: Small business)

" I am planning to use my upcoming transfer on buying a cow and an oxen." (Occupation: Small business)

"I want to spend my upcoming transfer to start a business for my wife,plaster my house and pay school fees too."

"I invested 8,000 KES of my first transfer in my doughnuts selling business and used the remaining money on food." (Occupation: Small business)

"I'm planning to spend my upcoming transfer to buy a posho mill and start the milling business" (Occupation: Small business)

"I'm planning to spend my upcoming transfer to build a big and better house, buy dairy cow and to start a small business."

"I'm planning to spend my upcoming cash transfer on paying school fees for my children and to venture into Agribusiness to enable me earn daily income."

"I am planning to start a shoe selling business with my next transfer because in my area we do not have near places where people can buy shoes, they have to go to Iganga for shoes, this will help me improve on my household income."