"The biggest hardship I have faced in my life was being unable to join college, my parents could not afford to pay my college fees. I can not get white collar jobs like my colleagues and this has really lowered my self esteem. "

"The biggest hardship I have faced in life is the challenge of raising money to pay school fee for my children especially the one in college. I am a widow so I carry the burden of the household myself which is very cumbersome because I do not have a stable source of income."

"The biggest hardship I face in my life is that my income is very low and it is not enough to take care of my family. "

"The biggest hardship I face in my life is that I depend on casual labour which at times is rare to find and it pays very little. "

"About five years ago, we secured a loan of nearly KSh. 200, 000 for a local financial institution called Pioneer. Unfortunately, we could not manage to repay the loan on time. Subsequently, the firm took virtually everything that we had; 70 birds, 5 cattle and 7 goats. Hence, I feel that as the biggest hardship we have faced because we have not regained the same. "

"We have been desiring to own a cow and receiving this money mean we will be able to own one. We have been having a problem in getting milk since there are a few people selling milk in the village and that is why I we are planning to own dairy cattle."

"I lost my wife in the year 2009. Since then, life has never be the same. I struggle alot to provide the needs for my children especially school fees and i am the one who cooks their meals. Above all these, the loneliness as a result of missing my wife Suppases them all. This is the biggest hardship i have faced in my life. "

"I managed to renovate my house which used to look so bad. I'm going to have a business of my own, which I didn't have before. "

"I didn't have any means of daily income but now am able to earn at least 50,000Ugsh @week."

"The moment I received my transfer I was very happy"