"The biggest hardship that I face is lack of money to pay school fees for my three children who are in secondary school. If I am unable to raise the required fees they may have to defer their studies."

"My proudest achievement was buying a cow. I had to save money earned from my business for quite sometime but eventually I managed to accumulate enough to purchase the cow which produces milk for my family's consumption."

"The biggest hardship I face is being sick. I have been suffering from arthritis for eight years now. The cost of getting treatment is so high yet I have to sacrifice the little i have for treatment"

"The difference in my life currently since I received this transfer is that I have peace in my family since we eat well and I will achieve my dream."

"The biggest hardship I have faced is,that since I lost my job in the year 2008, I have not gotten any other job that can help me take good care of my family."

"The biggest hardship I have faced in my life is, lack of finance that I can use to buy more equipment to modernise my salon to attract more customers."

"The achievement I am proudest of is that, I used to stay in a small grass thatched house but now through my table banking savings in our self-help group, I managed to build a bigger semi permanent house that now accommodates me and my family."

"The biggest hardship I have faced in my life is lack of a house for a very long time. This could stress me up and I did not know how to overcome the situation. I had stayed in a grass thatched house ever since.Now I am happy though I have only stayed in this permanent house for two months."

"The biggest hardship I have faced in my life is, lack of job and capital to start my own business that can give me some income to feed my family."

"The biggest hardship I have faced in my life is paying school fees for my children who are in secondary school since I do not have a stable income."