"I'm planning to spend the upcoming transfer on building a house because my current house is almost falling. I'm also planning to open a business using the upcoming transfer." (Occupation: Small business)

"I spent 6,000 KES from my first transfer to pay school fees for my children, invested 3,000 KES into my shoe selling business, spent 600 KES on buying food and the remaining 300 KES left as savings in my Mpesa account." (Occupation: Small business)

"I am planning to spend my upcoming transfer on building materials for expanding my house and invest in a tomatoes business to earn a daily income."

"l am planning to build a spacious house that can accommodate with my family and to pay school fees for my three children in secondary school." (Occupation: Small business)

"My first plan is to use part this money to pay school fees for my five children. Two of them are in form one, one in class seven, another in class six and the last in class three. Secondly, I intend to use another part to buy water pipes to enable me to irrigate my farm. Lastly, I intend to use the remaining amount to start a small business of selling fish."

"My biggest hardship is that I have very low income because my rice selling business is not selling well and because there is alot of competition." (Occupation: Small business)

"I plan to build a good house, a toilet , buy a bicycle for easy movement,weighing scale for the business iam to start."

"I plan to buy land for food production, build my own house and Invest in produce business."

"I am planning to spend my transfer on building a house and the remaining balance to buy a solar to start phone charging business "

"I am planning to spend my transfer on building a house because the one I am living in now is too small for my family, do more farming and also start up a business like stocking food stuff."