"The biggest hardship I face is lack of money for buying cows that I would use as dowry for marrying a woman."

"The biggest hardship that I am faced with is inadequacy of money to take care of the education needs of my children. "

"Receiving this money means to complete my ironroofed house and buy oxen. This transfers shall enable me plaster my house well and get oxen for ploughing. "

"It was really a great day for me and my family members, we were filled with joy and my children celebrated the receipt of the amount the whole of that day knowing that finally, their school fees will get paid and sending them home every other time by their teachers to collect school fees will come to an end. Our financial status had really been low and we have always considered our family to be one of the poorest families in our village but, after we received the transfer we now consider ourselves equal with the rest of the families and that has brought joy to date in our household."

"The heavy rains experienced last month almost brought down my old, mud walled and thatched roofed house in which I live with my 99 year old husband. One side of the walls is already collapsed and we are scared that very soon the whole house will crumble down. Receiving this money means I will be able to construct a new two bedroomed house made of mud walls and iron sheets to provide a safe haven for me and my husband hence fulfilling my greatest desire. Secondly I will rear livestock that I can sell in times of need in order to raise money for me and my husband's food, clothing and medication needs. "

"My husband works as a taxi driver in Mombasa. He earns very little and can only manage to send home 1000 shillings monthly. This money is not enough to cater for all the needs of my family such as food, clothing and education. Receiving this money therefore means I will be able to start an incoming generating activity to enable me get an extra income to sustain my family. I will buy two dairy cows, I will then sell the milk produced in Mariakani market where it will fetch a higher price. "

"In my previous harvest, I only got one bag of maize which only lasted two weeks. This made us to face the biggest hardship of our life which is hunger because we have not been able to eat proper meals as a family. At times we only take breakfast and supper and this has affected the health and nutrition of my family. "

"The biggest hardship I face in my life is that my husband died long time ago leaving behind children who needed school fees, food and clothes which unfortunately I could not provide for them. Being not able to attain basic education, it has been difficult for us to get meaningful employement hence subjecting us to poverty while living from hand to mouth. "

"Receiving this money will enable me build a new house at home. I have been living in our local centre because I was not able to raise enough money to build a house, because the little money I raise from motor cycle taxi is only enough to buy food and meet medical needs. It is this transfer that I am going to use to buy material and pay funds to build a new house. I will also save part of the transfer to open my wife a small business. This transfer has removed the cursed one tag off my head because culturally in our society being married with children yet without house at home is seen as failure."

"It has always been my dream to own a cow if not cows just like my friends and neighbours. This is one of the biggest investment in our village which commands a lot of respect from peers. I cannot story freely or be in the company of my fellows because of the status of my house. In the next six months, this is my priority which I have to accomplish as an investment for my family and to gain respect in the community."