"The biggest hardship i am faced with is inadequacy of farm land. I am not able to farm as much as i would want. " (Country: Uganda)

"My biggest hardship is lack of money to start up a barber shop bussiness for my husband." (Country: Uganda)

"I am planning to complete a house that was not plastered before.I am also planning to repay debts of a piece of land I once acquired by joining merry go round group as from next transfer.With these merry go round contributions I will pay school fees on time." (Country: Kenya)

"I spent all the money for building my permanent house" (Country: Uganda)

"I spent 500000ugx on paying dowery, 1000000ugx on buying a plot of land and the balance of the money I used to buy clothes." (Country: Uganda)

"I spent all the last transfer on construction of the house." (Country: Uganda)

"Before receiving the transfers, I had not thought of buying a dairy goat. I have now planned to buy once of which by the end of six months, it will have multiplied hence increase my stock" (Country: Kenya)

"I am planning to buy a heifer from sale of cabbages in three months time of which I will buy the seeds with these first transfer so that milk production is sustainable.I also intend to pay school fees on time with these transfers. In case of hunger these transfer will help reduce hunger.I will also to acquire new clothes which will improve overall cleanliness with these transfers." (Country: Kenya)

"The biggest hardship i face is lack of money to pay fees for my granddaughter studying at Bukedae life line. " (Country: Uganda)

"My biggest hardship i lack of money to enable me build ironroofed house and garden work." (Country: Uganda)