"Right now I am not facing any challenges." (Occupation: Small business)

"My child is sick and she can not walk as she sorely depends on me. I also lack food to feed my two children. I have to do a small business of selling green vegetables while carrying my 3 year old daughter at the back. This money may change my life for ever"

"In the last 6 months all I remember is that I have been suffering. My business is not growing. However, when I receive the money and buy what I want I would be happy."

"The challenges that am currently facing not eating enough food and sometimes not even eating food at all. I sometimes sell fish on the road side but of late I business has gone down and am not making enough money to buy food." (Occupation: Small business)

"I bought two goats at a total cost of KES7000 because goats are an investment and I will be able to depend on them in the future to address the challenges that I will face since I know that they will multiply and increase in numbers. I also spent a total of KES10000 shopping for clothes and various household items that I did not have, especially mattresses because we used to sleep on the floor and it was very uncomfortable and unhealthy. I, however, kept aside some of the transfer to be regularly buying food for the family." (Occupation: Small business)

"I sell fish as a business lately the order price is very much high which is making it hard to make sales because I have to also raise the price of the goods and the challenge is am not making a lot of money enough to buy food." (Occupation: Small business)

"I spent KES10000 to buy four hair clipping machines to start a barbershop in our area because it is a good business with reliable customers especially school-going children that have to shave their hair regularly as well as other people too. Also, the maintenance cost of this business is substantially low therefore it is one that can look after itself in the long run due to the high-quality hair clippers I bought. I bought three goats and a sheep at a total cost of KES13000 because I have always desired to have livestock, which is an investment since when they multiply and increase in numbers, I will be able to depend on them. I will be able to sell one or two and address the financial challenges I will be facing."

"The challenges that I am currently facing is that I do not have enough food due to lack of financial support and the house that I live in is incomplete. I will buy cement and iron sheets so that my house should look nice and it should not have a leaking roof." (Occupation: Small business)

"I have a sick child at Queen's hospital in Blantyre and this child has drained alot of my resources. Now I can barely afford to feed and provide for my household" (Occupation: Small business)

"i was diagnosed with HiV and Aids in 2017 and this is challenging to me because my health is not good and mosr of the times i am always on bed sick thus i fail to go to sell firewood since that's my source of income" (Occupation: Small business)