"The biggest hardship i have faced is how to get enough resources that could enable me to have good house, enough food for the family and provision of Education. My husband is motorcycle rider who come home with little money that cannot sustain the family."

"My greatest desire is to educate my son who had to drop out of school due to lack of finances. Receiving this money will enable me to pay his school fees (approximately 20,000 shillings for the whole year) at a nearby secondary school. I am also planning on spending the remaining amount on buying a dairy cow worth 30,000 shillings. This will enable me to get additional income (from the milk I will sell) to facilitate my son's education in the future."

"As a casual labourer, I earn between 4000 and 5000 shillings in a good month. This money is never enough to meet all of my family's needs of food, education, clothing and medical care incase of illnesses. Due to these constraints, I have even failed to build a house big enough to accommodate my whole family, we are all squeezed in a one room house that is made of mud walls and an iron sheet roof that leaks during rainy seasons. I see inadequate financial resources as my biggest hardship in life."

"Subsistence farming is quite unreliable due to poor rainfall and unproductive land in the area. However, this is the source of income I depend on to take care of my family. Besides this, my husband works in a quarry and supports the family with less 1000 shillings a month. The lack of a stable source of income makes it impossible to feed and educate my children. I am required to pay 3000 shillings for my children in school, but I am unable to raise this amount and in most cases they are sent back home. My desire is to give my children a bright future through education. Therefore, I will use this transfer to revive my shop business that will generate a stable income for the family. I will also construct a new house for my mother in-law since the current one is very small and the roof is leaking. Besides this, I will purchase oxen to facilitate agriculture which will curb food shortage. Apart from using the oxen in my farm, I will also rent them to other people in order to generate more income."

"I will spend my transfers to go to school and complete my University education. I performed well in my high school education and I got selected to partake a business course at the University of Nairobi. I have been unable to realise my dreams because I lacked school fees to proceed with school. I will use my transfers to go to school to realise my dream of attaining a Bachelor's degree in Business Commerce from the University of Nairobi. Secondly, I will spend my transfers to start a transport business in the boda boda sector. I will purchase a motorbike and offer employment to a deserving youth who can operate my bike when I am in school. Finally, I will spend my transfers to assist my siblings who are in primary school. I will assist them with school fees and their daily needs such as meals."

"Paying school fees for my son who just completed his primary school education remains as the primary target for me right now and I expect to accomplish the task with some ease due to the cash that I will be getting from the organization. I do not want him to stay at hoe and miss classes due to lack of school fees that is why i will have to ensure that he goes to school, and get the best education for him to have a better life in the future."

"I completed secondary school three years ago but since then I haven't been able to get my certificate from school because of the huge school fee arrears I owed the school at the time of completion. Being an orphan, it was challenging raising school fee on my own, the situation became more challenging after the death of my aunt who took over my schooling after my parents' demise. In as much as I had completed my secondary school education, I couldn't be enrolled in any institution of higher learning neither could I secure any job without the certificate. The moment I received the first transfer I used part of it to clear the school fee arrears in order to get hold of my certificate. As we speak, I have already enrolled for a course in college which I believe is a good start for a better future life. Besides that, I spent a portion of the transfer on building materials that I'm planning to use to construct a house so that I can get a place to call a home. It was so unfortunate that at the time my parents passed on, we had no house. It, therefore, forced me to put up with a relative."

"Since my husband died two years ago, life has not been the same. He was the breadwinner and worked two jobs, herding and charcoal burning, just to make sure we had food on the table, clothes on our backs and that our children went to school. My work of selling vegetables does not earn me enough to take care of all our needs, my children's education being most affected. The farm on which we also depend on for food has been disappointing due to low rainfall in the area. If only I had the necessary financial resources, I would be able to sufficiently provide for my family. "

"My first priority will go towards starting my new business in the transport industry by buying a motor cycle. This is a lucrative business idea to venture in that provides sufficient income for myself which will enable me grow in life and be able to carter for my family needs adequately. Secondly, I will pay school for my daughter so that I can offer them a chance at education that will help her gain a platform and skills for her to use to make a better life for herself in the future. Lastly, I will use part of this money to take care of my rent. This is my responsibility and I just want to the conflicts with my landlord over rent delays and constantly locking my house"

"My income is very low and this has adversely affected my children's education as most of the times they keep on being sent home for school fees. At times they spend an entire month at home as I try to collect the little cash I get from my business in order to settle their school fees. "