""My longing has been to own my on shamba but due to financial challenges this dream has failed to emerged. I am planning to spend 70,000 shillings to purchase 5 acres shamba. We have been sharing a family shamba almost 20 years. Owning my land will enable me to plant food crops and harvest a lot of food for my family during planting season. Other than that, I will use the extra amount to take my wife to hospital for medication. She has been suffering from stomach problem for 5 years. Receiving this money means fulfilling my desire.""

"I am a motorbike taxi driver since 2015, this job has been sustaining my family to date. Currently, the motorbike I own have been using is having mechanical problems. I am planning to spend $ 150 in repairing my motorbike. I will invest the remaining amount in my children by purchasing 7 high-breed goats at 50 dollars each. This will be my long-term investment as I will be able to sell them when they reproduce to educate them. This is what receiving this money means to me."

"Receiving this money means a better sleep because I will be able to buy a bed and a mattress in order to replace the old ones that I currently own. To accomplish this, I plan to spend 12000 shillings. I will also spend 24000 shillings to buy 8 goats to start livestock keeping that can assist me in the future whenever needs arise and this will mean a dependable life. Unlike of now where I depend most on my sons who also have more burden of responsibilities in their households."

"I have ever wished to have a separate house for my daughters who are now grown up yet we share the same room. Due to financial problems, this desire has never come through and this has robbed my joy for a long time. Receiving this money means fulfilling my dream since I plan to spend 30000 shillings to construct a structure for them. On the other hand, I intend to buy oxen and an ox plough for 38000 shillings to upscale my farming. Having done this, my livelihood will change for the better, a transformation that I have long wished for."

"Receiving this money means I will be able to fulfill my dream of owning oxen. I intend to use 40,000 shillings to buy 2 cows for ploughing which will help in any of my financial emergencies. Also, I will use 30,000 shillings to buy a bed and mattress, I will use 10,000 to start a small retail shop. The remaining amount will be used to expand my house."

"My business is a fish vendor, I have been doing this business for a long after separating from my husband. I usually get an income of 3,000 shillings per month which is not enough to start the grocery business as well as expanding my business. Therefore the Financial crisis becomes the biggest hardship I have faced in my life."

"Our family being a polygamous set up, I share the same house with my co-wife. I am not comfortable in this situation because there is no privacy at all. Besides, the house is not spacious enough, forcing me to sleep on the floor as it cannot accommodate an extra bed. Receiving this money therefore means, constructing a house for my family. This will fulfill my dream of living in comfort."

"To achieve food security has been my biggest ambition for ages. This is because I rely mostly on buying food since I do not produce enough out of farming. My less production is a result of unpredictable rainfall patterns that, require speed when it comes to farm preparation. Receiving this money therefore means purchasing oxen to scale up farming. This will save me the cost of hiring since it is quite expensive. I will also hire them at a fee to generate income."

"My house is leaking, it has been my wish to have money to renovate and go back to school.This is my right time to do this once I receive give directly transfer, have estimated the cost of renovating my house to ksh 30,000.The remaining mount I will pay my college fee.I did not proceed at school due to lack of money."

"Receiving this money will mean so much to me. As a parent,my number one desire has always been to give my children the best education that I can. At the moment, I have a daughter who is in her 4th year of education at Kabarak University. Her studies has really drained our family financially. Because I am a widow, I have been catering for her financial needs single handedly. Every year I pay a total of 60000 shillings towards her school fees and for now I have not saved even a single cent to cater for her final year. The only thing I have left is to cross my fingers and hope that I will be successfully enrolled so that I actualize my dream of getting my last born daughter through her University education."