"l am planning to plaster my house since l am staying in a very dusty house." (Occupation: Small business)

"I'm planning to spend the upcoming transfer on buying a cow and furniture. I also have the plans of renovating my house so that it may look neat." (Occupation: Small business)

"l spent the whole of my first transfer to start hotel business which is doing very well." (Occupation: Small business)

"I am planning to use my upcoming transfer to clear the huge school fees balance for my 2 children in college and secondary school." (Occupation: Small business)

"I am planning to use my second transfer to complete the permanent house that my husband started building for me and buy more bags of corn to boost my corn business since i am aged i can not indulge in other demanding businesses." (Occupation: Small business)

"The biggest difference in my daily life is that i have my house." (Occupation: Small business)

"I plan to use my second transfer to buy equipments for my salon business, and use some of the transfer to start building a house for my family."

"I spend 30000 KES of my second transfer on dowry payment and 20000 KES to start business of selling second hand cloths."

"I plan to spend my second transfer on buying two bulls, buy mattress and sofasets and also to buy some household utensils." (Occupation: Small business)

"l am planning to take my children who are in secondary day school to boarding school." (Occupation: Small business)