"I am planning to invest in my cobbler/shoes business, buy a bed, mattress and food."

"When I get my upcoming lumpsum payment, I will pay college school fees for my children." (Occupation: Small business)

"I bought one sack of maize at 2,500 KES, bought school uniforms for my four children at 1,500 KES, paid 3,500 KES debt for maize that I had taken earlier, gave 2,000 KES to my wife to start a business then used the rest on food for the house."

"Am planning to pay school fee for my son in high school, buy some cattle then use the rest boost my farming business."

"I am planning to plaster my main house with sand and cement with that my upcoming lumpsum payment and use the remaining amount for buying a cow." (Occupation: Small business)

"I am planning to use my upcoming lump-sum payment to build a new house and pay school fees." (Occupation: Small business)

"I am planning to spend it on plastering my house." (Occupation: Small business)

"I am planning to build my main house then I will invest some remain part of this my upcoming lumpsum payment in charcoal business."

"I will expand my general shop with some of my upcoming lumpsum payment then I will pay school fees for my daughter with the remaining amount." (Occupation: Small business)

"l spent the transfer to buy building materials such as 10 iron-sheets at 6500 kshs, the remaining balance l spent to improve my business."