"The biggest hardship I have faced in my life is having to lose my husband in March last year. He was an engineer and away in Uganda. He died after falling off a plant operator. We lost a father, a friend and a sole breadwinner of the family, thus the challenge is having to raise my family a lone. I have had to work extra hard to take them through school and other basic needs. "

"I plan to spend my transfers on starting a car wash business, going back to school and finally saving the remaining of my transfer. Starting a car wash business will enable me to make a profit that I can invest in education for myself. Finally I intend to save the rest of my transfers."

"The biggest hardship I am facing in life is lack of reliable source of income. I depend on casual labor services that is unreliable and tedious. This makes it difficult to provide for my family's basic needs like food and clothes."

"The biggest hardship I have ever faced was when all our cows died due to a disease outbreak. It was our main source of livelihood and live became difficult after that but we thank God because he has seen us through all that. "

"The biggest hardship I am facing is continuous struggle to pay rent since the job I do is unpredictable and is based on customer needs. "

"The biggest difference in my daily life is that I am staying a happy life because I am eating well and I can access daily news whenever I want."

"I felt so happy at that moment because I was very broke and I did not what to do in my situation at that moment."

"I wake up do my house chores take my child to day care,i later prepare myself to go to college. After school i go get supper for my family pick my child out if day care and go home. In my free time i take my child out for a walk then i relax at home as i watch television."

"I intend to use my transfers on investing in a new business at my rural home and here in Nairobi. I have plans to open up a motorcycle spare parts shop in my rural home. There has been a surge in the motorcycle business back at my rural home and I believe there will be ready market when I provide spare parts closer to them. I also plan to open up a retail shop here in my neighborhood in mathare, as some commodities are difficult to obtain unless we walk far distances. I feel a retail shop will be convenient for the community here, and will also offer ready market in business. Secondly, I intend to build a house for myself back at my rural home. I lack my own house in my rural home and I find it uncomfortable to stay at my parents house. Finally, I will put the rest of my transfers into savings."

"I would like to open a cosmetic shop. My aunt gave me a small shop to put up my business. There are a lot of salons in my area and hope to take advantage of them and be able to maximise on profit. I would also want to support my aunt financially since she has no job. I will be paying school fees for her children. Finally, I would also pay rent where I stay with my aunt. She is the one who has been taking care of me."