"Lack of money is the biggest challenge I have ever faced. I am not employed for me to get a constant income. I always burn charcoal to earn an income. The income I get is not enough to sustain our family of 6 children. The charcoal burning business is also not consistent. You can stay for a month without getting people to buy the charcoal.My husband on the other works as a watchman, he is paid 8,000 Kenyan shillings per month.The salary he gets is still not enough. Sometimes my children are forced to skip school due to lack of school fees."

"Financial Crisis is the biggest challenge that I have ever faced. I am an unskilled person getting a good job to sustain my family 9 is a challenge to me. The small business that I do earns me little profit. I majorly depend on my husband who does casual labor a job that is tiresome and earns him a little amount of $3 per day. This amount can not fully sustain all the basic needs of the family. This has led to my children been send out of school to collect school fees, thus leading to their low performance in school."

"The biggest problem that I have ever faced in my life is the lack of a sustainable source of income. I am a rubber rapper earning very little of $3 per week. This amount is very minimal to even buy food for the family. Most of the time we skip meals or even sometimes we miss meals. I have been asking for help from my relatives something that ashames me a lot."

"Receiving this money means continued education to my children. This plan I want to achieve it on livestock investment. I am planning to spend the $300 transfer of my first transfer to buy 10 goats which I will sell at a profit when they multiply. I will also use $400 to buy 2 indegious dairy cows for milk production. The milk produced I will sell to earn an income. I will spend $120 to pay school fees for the whole year of a child in secondary Day school. For the remaining amount of my transfer, it will help me to cater for the basic needs of the family like buying food."

"Receiving this money means a spacious house to my family. This is because I am leaving in one bedroom house which is small in case I host visitors. I plan to spend Kshs.40,000 to build a three-bedroom house that will be enough for me and my visitors. I will also spend Ksh.15,000 to buy five indigenous goats at Ksh.3,000 each. The remaining amount will cater for bedding and other basic needs such as food."

"The biggest hardship that I have ever faced in my life is poor health of my two siblings. They suffered mental problems for over two years now. What breaks my heart the most is that I used all my savings that I got from my charcoal business to take them to school, but after finishing their secondary education, they got mad and now they are helpless. I cannot do anything to help them but just watch as they suffer. Their mental health issues affected my health too as I developed high blood pressure due to stresses of this situation. This has contributed to me and my family to live a miserable life."

"Receiving this money means starting livestock farming. I have a family of two children in a polygamous family. My husband has no job that can sustain me and my co-wife. This forced me to engage in charcoal burning business which is illegal but because it is the only job available, I have no choice but to do it. This business earns me $ 10 a week which is not enough to cater for my basic needs and education for my children. I intend to use the first cash transfer to buy two dairy cows that will cost $250 each. This will enable me to get milk and sell in the village to earn an income. This will also boost the health of young children in the village. I will then use the second cash transfer to pay school fees for my children and the rest, for domestic use."

"Unemployment has been my biggest challenge. I am a house wife who depends on my husband and it is a polygamous family. He works as a casual laborer in town. The earnings from his wages are not enough to sustain all our needs such as food."

"Receiving this transfer means continuous education for my children. My dream has been to educate them to higher levels so that they can have a bright future. Currently they are in primary school. To achieve this, I plan to spend 50,000 shillings to purchase 10 goats at 5000 shillings each. This is going to generate income to my family because goats multiple very fast and can sell them and pay school fees. Also goats can survive in our area because it is dry. Other than that, I intend to spend the remaining amount on purchasing house items e.g beds and materials for us to be able to live comfortable."

"Low self-esteem has been the biggest hardship I have faced in life. We have been struggling to make ends meet and I am employed as a mechanic in a nearby town. The job itself is tiresome yet I earn an average wage of Ksh 500 a day. I have 5 school-going children, 2 in secondary level and 3 in primary level. In total, I pay approximately Ksh 100,000 per year as school fees. Due to the nature of my work, raising that amount is extremely hard. I at times rely on well-wishers to raise school fees and this has led to a lack of self-esteem."