"I am planning to buy a piece of land where I can build my home. That is what I will do with my upcoming transfer." (Occupation: Small business)

"I plan to buy 70 iron - sheet to complete roofing since i had already finished putting up the walls .I also want to finish paying school fees for my child who is going to graduate in December this year school " (Occupation: Small business)

"With my upcoming transfer I would like to build a house, buy a cow and start up a business"

"When i get this money i want to buy another cow and start a business of fish mongering."

"When I received my first transfer, I spent 220 KES on 4 cushions, 3000 KES on school uniforms and I invested the remaining 6780 KES in rice business."

"I spent 25,000KES on buying iron sheet, timber, and nails, and build an iron roofed house for my family. i also paid 10,000KES school fees for my child in secondary school, and used 10,000KES as capital to start a business in selling charcoal, legumes and cereals."

"The biggest difference in my life is that now I have a house and I can be able to pay school fees for my childen" (Occupation: Small business)

"The biggest difference in my life is that my daughter is now able to staay in school for a whole term without being sent home for lack of school fees." (Occupation: Small business)

"I am planning to spend my upcoming transfer on clearing my daughter's school fee arrears of 17000KES. I also plan to pay rental arrears because the landlord is so much on my neck to pay him his debts" (Occupation: Small business)

"I invested 46, 000 KES in shop business and the remaining 4000 KES paid school fees for my child" (Occupation: Small business)