"I have not had a chance to further my studies after primary school due to lack of school fees. This has really affected my life in general. Being illiterate finding a better job and new ways of farming is a big challenge to me. Therefore, I feel illiteracy is my biggest hardships in life."

"In the next six months, I expect my life to change in that I shall have cleared school fees for my brother and this will give me an opportunity to think about other meaningful investments that will change my life as well."

"I always work hard to earn a living to support my family. I currently have a lot of expenditures ranging from my household's daily basic needs and my children's school fees. In the next six months, I am hopeful that I will have a happy family in that I will have my children going on well with their studies and enjoying the daily basic needs as well."

"Lack of a reliable source of income to cater for my family's basic needs is my biggest hardship. I was forced to close my shop and spend the entire capital I had in order to send my daughter to school and this paralyzed all my efforts. I am now engaged in subsistence farming but this is also not reliable to me since the harvests I get are usually low and does not take me even 4 months. I am always stressed up whenever I get a call from school requesting me to pay school fees."

"Being the head of the family at my age of 17 years is something that has eaten up my mind for long. Imagine hustling during weekend at our neighbor's posho mill in order to get 1 dollar that can help us to cater for our needs in case our mothers fails to provide. It is a life of misery and I have always felt bad to see my friends going to school in weekend while I am busy hustling. Therefore, the lack of continuous financial support from our parents is the biggest hardship that I have ever faced in my life."

"Being a housewife has never been my thoughts but due to the financial challenges, I am forced to remain idle at home despite of the many job opportunities within the village. I purely depend on my husband and his earning is usually low such that it cannot fully support our basic needs. Therefore, lack of a reliable source of income is my biggest hardship."

"I am hopeful that in the next six months, my life will be better. I expect to have planted the tea seedlings in my new piece of land. Though they will not be matured to earn me an income, they will always be my hope of a better future. With the current harvest I have, I will not be spending much on food like before thus will have saved some money to put in other goals and support my family."

"At my old age of 94 years, the biggest hardship i face is dealing with old age deseases which has made me less productive. The pains and aches all over my body day and night no longer allow me to engage in strenous activities thus i have to fully depend on my children to support me prociding my daily needs."

"Unreliable rainfalls in this area has made our life a struggle since this has led to low yield production. It has proven hard to sustainably provide food for family consumption from the farm due to low harvests that forces us to engage in menial jobs such as cultivating people's lands so as to earn some income to buy food for the family. This is the biggest hardship we face."

"Poor harvests as a result of prolonged drought as well as floods has been the biggest hardship we face in our family. Despite owning 8 acres of land, harsh climatic conditions has rendered it unproductive hence food security is the biggest issue we face"