"We are planning to start a small business, the business will involve buying sardines in bulk from Lake Victoria and selling them to the surrounding villages. We also plan to buy materials that will be used to our house."

"We are planning to expand our business, this will accomplish by using the transfers as capital injection into our existing business." (Occupation: Small business)

"I am planning to inject more capital into our small business, so our profits can increase, some of the transfers will also be used to buy household items." (Occupation: Small business)

"I am planning to spend my transfer on buying four bulls that we can use in ploughing our farm and a dairy cow that we can keep for milk, I will spend part of the transfer on buying furniture for my house and the remaining amount I will invest on my business of selling groceries."

"I am planning to spend my transfer on paying dowry as my wife went away because I did not have cash to pay dowry, I will spend part of the cash to buy three bulls that I will use in ploughing my farm and the remaining amount I will use to start a business of buying and selling maize in our market."

"I am planning to spend my transfer on paying school fees for my child who is in secondary school and the remaining amount I will spend on buying a motorbike so that I can have my own that I can use in taxi business as the one I have is hired daily."

"I am planning to spend my transfer on renovating my house so that it can be in good condition, I have a girl child who is soon joining secondary school so I will save some cash so that I will pay school fees for her and the remaining amount I will invest in my small business of selling household items like cooking oil, bread and flour." (Occupation: Small business)

"I have planned to rebuild my house and a kitchen where my children can sleep. I will also set up a small business."

"We are planning to buy a motorcycle and start a taxi business,so we can earn income from it."

"I plan to spend the transfer to plaster my house. I also plan to spend the transfer to buy furniture. I also plan to spend the transfer to boost my business. I sell maize." (Occupation: Small business)