"l am planning to build a more comfortable, spacious house because l am leaving in a very small house." (Occupation: Small business)

"I am planning to buy more iron sheets and other construction materials so that I can build a house." (Occupation: Small business)

"We are planning to spend my upcoming lump sum payment on Initial Deposit for a piece of land." (Occupation: Small business)

"We spent my Token payment on my wife’s business start-up for 5,000 KES, and also buying some iron sheets towards our house construction Project for 5,000 KES" (Occupation: Small business)

"I spent 4200 KES on 8 iron sheets, 2 blankets at 1200 KES, shoes at 500 KES, clothes at 1000 KES and started a fruits business at 2000 KES" (Occupation: Small business)

"I am planning to build a new house and open a business with my upcoming lump-sum payment."

"I am planning to build a new house and buy household furniture." (Occupation: Small business)

"I am planning to buy a second-hand motorbike with the upcoming lumpsum payment." (Occupation: Small business)

"I am planning to expand my cereal shop using 25000 KES of this upcoming lumpsum payment, 15000 KES on a cow and the remaining amount on secondary school fees for my children." (Occupation: Small business)

"I spent 3000 KES on my medical bills, 3000 KES on ground nuts and invested the remaining part of this token payment on expanding my Mandazi business."