"I spent my first lumpsum transfer on starting a grocery business.I also catered for my grandson's funeral." (Occupation: Small business)

"I spent my first lumpsum transfer on building an iron roofed house.I also added capital to my carpentry business and paid hospital bill to my wife who delivered."

"I plan to spend on farming, and use part of the money as capital to start a maize selling business so that I may have an income. I also plant buy ironsheet, timber and nails and build an iron roofed house."

"I'm planning to spend a larger portion of the transfer on settling dowry. I'm also planning to invest the rest in cereal business."

"I plan to buy seats, and a second hand motorcycle for transport business. I also hope to buy cement and cement the floor and walls of my house."

"I plan to buy ironsheet and construct an iron roofed house." (Occupation: Small business)

"I had started builbing an iron roofed house, I plan to buy materials: building bricks, iron sheet and cement, and finish building my house that I had started building." (Occupation: Small business)

"I'm planning to invest the coming transfer in retail shop business."

"I'm planning to invest a larger portion of the coming transfer in retail shop business. I'm also planning to invest the rest in livestock."

"I'm planning to invest a portion of the transfer in fish business. I'm also planning to cement both floor and walls of my house. This will see me free from regular house repairs."