"The biggest hardship that we have faced in life is that we don't have a stable source of income to support our big family. Sometimes we go without a meal a day."

"Our proudest achievement is that we have been to build a house for my family."

"The biggest hardship that we have faced in life is that we don't have a stable source of income to support our family. We don't cannot even manage to construct our own house being that our income is too low."

"The biggest hardship we face in life is that we are growing old and frail and therefore not able to work as hard as before so our income is not enough to meet all our basic needs."

"My proudest achievement is that I have worked hard to build my house because my spouse left me in a very small house and I have taken good care of my children by engaging in saving and loaning group activities."

"The biggest hardship that I face right now is ill health, I am asthmatic and it has affected my internal organs, if I am unable to raise money for effective health care I might succumb to the illness."

"My proudest achievement is having married a beautiful wife who has given me a beautiful baby girl and she is also pregnant at the moment."

"i plan to buy materials: ironsheet and timber, and extend my house to make it more spacious."

"I plan to buy more building materials: ironsheet, timber and nails, and build an iron roofed house. I also hope to pay school fees, and spend the rest on household expenditure."

"I'm planning to establish my own home with a larger portion of the transfer because currently I live on my in-law's compound."