"I spent my first transfer for paying off mortgage of 650,000ugx and got back my land. I paid i debt of 320,000ugx, i bought an ox plough at 80,000ugx, i also bought food and household items, paid school fees of 20,000ugx. I have a balance of 300,000ugx which am still planing for." (Country: Uganda)

"The biggest hardship I have faced is feeding my big family since I don't have a reliable source of income." (Country: Kenya)

"The biggest hardship I have faced in my life is living in a leaky-thatched house. I am never at peace especially during rainy seasons, for instance the current situation, because when it rains everything in my house gets wet and messed up. " (Country: Kenya)

"The biggest hardship I have faced is having an unreliable source of income which makes it difficult to provide food for my large family." (Country: Kenya)

"The biggest hardship I have faced in life, is difficulty in paying school fee to my two sons and one daughter after my husband lost his job. The family seriously struggled not only to pay school fees but also to meet the daily needs." (Country: Kenya)

"The biggest hardship that i have faced was dealing with my husband's sickness.He was sick for a very long time and the cost of treatment really strained our family's finances." (Country: Kenya)

"The biggest hardship I have faced in my life is not being able to fend for my large family. I have chronic asthma, and my husband has also had to undergone three head surgeries. These conditions limits us from being able to perform our daily activities. It has also drained me emotionally." (Country: Kenya)

"The biggest hardship I have faced in life is lack of money to built my own house. Begging for spaces to sleep in other people's houses was not very friendly as this would be denied at times and hence spend the night in the cold." (Country: Kenya)

"The biggest hardship I am facing in life is lack of enough money to build a better house. My current house is profusely leaking and this makes it very dangerous especially during rainy season." (Country: Kenya)

"The biggest hardship I am facing in life is unreliable source of income to provide for my family. Sometimes we lack food to eat and this makes us go on empty stomach rendering us economically unproductive." (Country: Kenya)