"Receiving this money means I will build a permanent house that I will stay in. This is because, the house I stay in is grass thatched and itbis very expensive to renovate it on yearly basis due to the cost of purchasing grass."

"I intend to build a home for mysef with this money. I currently live on the land the land that we don't own."

"The biggest hardsip I face in my life is inadequate land for crop cultivation. We survive on hiring land which is not sustainable. The cost of hiring land is high and that makes the household to have a poor saving culture. "

"Receiving this money means that I will be able to complete my house and plastering. I currently donot have any income generating activity for sustaining my family, so by completing this house , I will put a spare part business in one room. I will be selling bicycle's spare parts to raise money for Educating my children in future."

"Financial instability is my biggest hardship. This is because I do not have a source of income hence I depend solely on my spouse. He only supports us with 2500 shillings a month, an amount that is supposed to cater for all our needs. My children are often home from school and to some extent I have to lie to the teachers. My daughter who is secondary school will close this term with a debt of 8000 shillings, while those in primary school have a debt of 220 shillings. The amount seems so little but I do not have the capability to raise it."

"The death of my spouse reduced me to the sole breadwinner of my family. This came as a blow since I do not have a stable job to rely on. My source of income is casual jobs like digging in people's farms and working in construction sites. Besides not being consistent, these jobs do not earn me enough. I earn 200 shillings on a good day and this amount is not enough to sustain us. I am really struggling to care for my children and I can attribute financial instability as my biggest hardship."

"In six months' time, I hope to have bought a goat. This is the next goal that I wish to have acquired a few months to come and I very optimistic that this will come true. It is from this that I will later think of buying a cow- benefits that cow gives is much higher than goats but all in all, there has to be somewhere that one starts from."

"My expectation in the next six months is that I will have managed to add the extra piece of land. apart being an asset, My sons will now have somewhere to rest as well as sleep. My compound will also no longer be squeezed and so I will have enough space for my family. The additional piece of land will also be used to farm vegetables and other short-season crops that generate income faster. Generally, my family will be a happy one in the next six months."

"I still have to offer casual labour, though on reduced occasions. This is because I now have my pieace of land to cultivate and therefore dedicate some time to it. In the next six month's I expect to be fully working on my land. I also intend to expand on it since farming is the only way of livelihoods in our regions."

"In the six months, I expect my life to have changed to be better. This is because, I believe I will have diversified my income sources and so will no longer strain to do casual labour. My farming techniques will also improve because I will have more time dedicated to my farm and so I will be expecting abundant harvest. My family wellbeing will also improve"