"I am planning to spend my transfer on putting up glass on my windows so that I am not affected by cold, I will pay school fees for my child who is in the university and the remainder we will use to start a small business of selling cereal."

"I would like to use part of the transfer to build a new house because my house is very small. Finally l would like to expand my business to generate more income to support my family." (Occupation: Small business)

"I would like to use part of the transfer to pay school fees for my son who did standard eight last year. Secondly l would wish to expand and cement my house. l would also like to buy household items for my house. Finally l would like to open up a business to generate income to sustain my family."

"I would like to use part of the transfer to build a new house because my house is in a bad condition. Secondly I would wish to buy a cow which can help us incase of emergency. l would also like to pay the of the money in paying school fees for my children. Finally l would like to open up a business to generate income to support my family."

"I plan to spend the transfer to pay school fees for my child. I also plan to spend the transfer to buy furniture. I also plan to use the transfer to start a small business."

"I plan to spend the transfer to boost my business. I prepare meals and sell to juakali workers at the quarrying site. I also plan to spend the transfer to pay school fees for my second daughter who is to join college." (Occupation: Small business)

"I am planning to expand my shop business so as to be able to raise my level of income and pay my children's school fee, expand my house because it's too small for my family and buy more fishing materials because fishing is our main source of income."

"I plan to build a new house, buy furniture, pay school fees and to invest in business"

"We plan to set up a business of buying and selling second hand clothes that will generate some income for us. We also plan to buy a piece of land that we shall use for farming."

"I plan to spend my transfer to set up a cyber cafe and buy some stationary because this business will generate some income for my family. I also plan to spend the remaining amount on second hand motorbike because I would like to own my motorbike that I can use to transport customers to their destination hence maintaining the flow of income in my family."