"As a charcoal burner, my current job has been very straining. I depend normally on casual jobs around the village and due to the nature of this work, my health has deteriorated. Am growing weaker each day and the little income I get goes to basic necessities leaving none for medical attention. Receiving this money therefore means I will be able to transition into a better job that can comfortably meet my needs and that of my children. I will start up a livestock sale business. This way I will be earning sustainable income. I want to ensure my kids get better education and not end up like me. Am struggling because I dropped out of school."

"The biggest hardship I have faced is lack of money. You find that I am the only one working in my family, yet sometimes there are very few clients and out of the little income I have to budget for everything in my house right from school fees, uniforms, food and medication, sometimes when my children fall sick abruptly I end up borrowing from friends without clear definite time of refund, like last month one of the friend that I owe cash took my shaving machine as collateral until I pay him back the money I borrowed from him. "

"The biggest hardship I face is difficulty in paying rent and acquisition of food for myself. I am advanced in age and I do not have any source of income since the closure of my fish mongering business. I currently rely on well wishers in order to pay rent as well as to obtain food."

"My ambition is to become a great journalist and a writer. I will be able to buy cameras, open my studio and be self employed. I will be able to write articles and be able to sell them, touching on all the sphere's of life that people can read. This work is profitable and I will be able to live a good life."

"I normally wake up early in the morning at 5:00am, take bath, do housechores,prepare breakfast and then I leave for work before 8:00am. I wash clothes in homes at eastleigh in our neighbouring constituency until 5:00pm in the evening. I return back home, take bath, prepare for supper and then I retire to sleep. In my free time I practice and learn about computers in a nearby cyber cafe, watch movies or sometimes visit friends."

"My first priority is to open a physical bank account to start saving. My money will be safe and I will be able to plan on how to spend. Secondly, I will furnish my house and buy households items because some have worn out. Lastly, I will pay for the National Hospital Insurance Fund( NHIF). This will help to cater for my medical expenses if I fall sick."

"As a single mother my biggest hardship is inadequate finances to take care of my family. Right now, I have two children joining high school next year and I do not have the money to pay their fees nor shop for what they will need in school eg books and uniform. My small business of making "mahamri" does not earn enough income to meet all my family's needs of food and education. Farming has also not been very productive due to low rainfall in the area. "

"My first priority is to save most of the money for sometime, money accumulated will help me pay for my education which is my third priority. I had gone for a vocational training on catering but did not manage to finish the course. I couldn't afford the fees so that's why I want to invest in my education finish and use the skills to open a bakery. My other priority is to invest in my existing business of selling second hand under garments, by buying new stoke and finding a suitable shop to sell at."

"My top concern is unemployment, I want to have a business, especially in the transport industry of motor cycles and be able to make money. Lack of money really stresses me up. In this life money is everything, I can not stay at home and be at peace while I do not have money, I will have to go look for work to do."

"Subsistence farming is my main economic activity but it is not reliable. This is due to poor rainfall and unproductive land in the area. Therefore, I have to engage in casual labour such as burning charcoal to supplement my income. However, this is not enough to provide for my family because I earn around 200 shillings in a day and it is not consistent. With this transfer, I will purchase oxen that I will use to plough my land and for commercial purposes. Secondly, I will start a 'maandazi' business in my village. This will earn me a stable income that I will use to educate my son in college. The income will also provide food,medical and clothing needs for my children. I will also add more goats which I mostly sell during emergencies. Lastly, I will renovate my house which is leaking and unfit for shelter during rainy season."