"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)

"The biggest hardship I have faced in life, is difficulty in raising school fees to pay my college education. This situation has stagnated me from advancing not only in my studies but also career wise. " (Country: Kenya)

"The biggest hardship I have faced in life, is being homeless since I did not have a house at home and I had to rent a house for three consecutive years despite the fact that I had unpredictable source of income." (Country: Kenya)

"The biggest hardship that i have faced was having to deal with the pain of losing all of my four children who died as a result of being diagnosed with sickle cell anemia.It was so painful to bury one after the other simply because i didn't have sufficient income to treat their delicate sickness." (Country: Kenya)

"The biggest hardship that i have faced was learning how to adopt to living in the village after the death of my husband.This was because we had been living in the urban centre for a very long time with him as the primary caregiver, but when he died,everything changed and i had to start all over with nothing back in the village." (Country: Kenya)

"The biggest hardship that i have faced was having to deal with prolonged sickness for a period of three years.Doctors could not diagnose the actual ailment and it really cost me a lot of money in seeking for treatment." (Country: Kenya)

"I spent my first transfer to buy clothes, a mattress, two pairs of bed sheets, bricks, sand,iron-sheets,cement,timber and paid labour for building a simple iron sheet roof house. " (Country: Uganda)

"My new goals is that I am planning to start rearing chicken and selling them. I expect to make profit out of this business. As a result of this, I will be able to have a stable income." (Country: Kenya)

"I spent my last transfer to buy dairy cow to save me in future from spending money to buy milk from neighbors but to sell it to them. The remaining balance l spent to build a kitchen for me to have a place where l can cook." (Country: Kenya)