"Lack of finance has been my big challenge, I usually rely on casual jobs(herding) which gives me little money to support myself. This also led to separation with my wife since I was not able to raise and provide for them."

"Receiving this money means that I will start an income-generating activity. I used to work in other people's farms as a casual laborer, mainly to pay school fees for my children and to buy food. When the children completed their college education, I stopped going for these hard labor jobs. I then developed a leg problem where my knees ache most of the time, making it difficult for me to comfortably move around. Because of this, I want to keep a cow, some sheep and start poultry keeping when I receive this money. I will build a poultry house and buy the birds for about $ 300. I will then buy two dairy cows for approximately $ 500. This initiative will provide me with a daily income from selling milk and eggs of about Kes $4 a day. This will be sufficient to make my life comfortable because I spend about $2 a day on household needs."

"Receiving this money would mean that I will own a good house.My ambition is to own a two roomed house with iron sheet roofing as this would help me harvest enough rain water for household consumption and also my four children will have enough safe space to sleep. I am a casual labourer and I only earn Ksh 300 per day when I get a job to do and this is not enough to cater for my family basic needs such as good food,education and clothing.Building the house would cost me a total of 30,000. I also want to buy a dairy cow of Ksh 30,000 which would produce enough milk for my children to drink everyday because milk plays a great role in their development. At the moment I purchase 1litre of milk everyday at Ksh 30 and is only enough for my 8 month old child. The rest of the money I would spend it on food and good clothing for my family."

"The biggest hardship I have faced is financial constraints. With my age I cannot do hard jobs so I only depend on my one cow for milk to sell which earns me a total of Ksh 2700 per month. This is not enough to sustain my family needs such as food and clothing and other emergencies as hospital fee when it arises."

"The biggest hardship is financial constraints. I'm a motorbike rider on hire. I do not own my own motorbike meaning I have to hire one. Sometimes I do not get one to hire as we're also many doing this work and there are few motorbikes to hire.The money I earn from my motorbike business goes to food and other basic needs therefore I do not get to save up for family developments."

"My ambition in life is to be a renowned poultry farmer. Currently, I have forty chickens. I normally collect an average of ten eggs a day and out of these, I can sell a tray of eggs every week for 300 shillings. Receiving this money means that I will increase the number of layers of chicken by twenty for 10,000 shillings. I intend to also build another additional poultry unit for 8,000 shillings. I project that I will be getting an average of 25 eggs meaning I will be pocketing a cool 250 shillings daily. For the remainder of the transfer, I plan to buy dairy cattle for 30,000 shillings and other basic needs."

"The biggest hardship that I have ever faced in my life happened a year ago when I used to do the business of selling clothes during market days. The market days are usually distributed all through the week but in different centers. With the rising cost of living, I had to use part of my cash stock to cater to the basic needs of my family. I am also a widow and so I am the only one my kids depend on. It took me less than a year to run out of stock and cash. As of now, I am just a subsistence farmer toiling on my farm just to make ends meet."

"The biggest hardship I have faced in life is lack of finances to pay school fees for my children and having my own home. I am a single mother with nothing to depend on, I got married at a very young age but unfortunately the marriage did not work and we had to separate and I came back to my parents home with 5 children. The business that I do gives me as little as 150 kenya Shillings a day which is not enough to cater for food and paying school fees for my children. Hence the difficulty to save money to purchase land."

"She used the cash to purchase items like mattress and blankets..She also purchased kitchen utensils such as plates,,buckets and pots..The remaining cash was spent on purchasing food.."

"She used the cash to purchase iron sheets which she will use to improve the roof of her house..She also purchased other items such as food stuff as well as some beddings and mattress."