"The biggest hardship I have faced in life is lack of money to improve my farming activities, due to this I have been just cultivating a small potion of land, and yield are also low because am not able to use fertilizer to get more produce." (Country: Kenya)

"My biggest hardship has been lack of enough money to pay school fees for my children and provide basic needs to them, being aretiree it not been easy on my side." (Country: Kenya)

"My biggest hardship has been the death of my second born son three years ago,he was the provider in the family and without him it has not been easy to manage life." (Country: Kenya)

"my new Goal is to expand my grocery and increase the amount of milk i sell.I also want to introduce onions in the business." (Country: Kenya)

"When I received my second transfer, I was able to purchase four bags of cement at 120,000ugx, 12 iron sheets worth 260,000ugx, lent 1,000,000ugx to the brother in law in exchange for three acres of land, the balance of 253,000 UGX, we used for purchasing household items. " (Country: Uganda)

"When I received my second transfers, I was able to purchase a bull at 1,150,000ugx to support in Agriculture, paid medical bills of 220,000ugx for my wife and children, bought an ox plough at 200,000ugx to support in opening up land for farming, the York costed 45,000ugx and the balance of 18,000ugx I spent on puchasing food for the family." (Country: Uganda)

"When I received my second transfers, I paid tuition for my child worth 450,000ugx, paid off the mortgage amount for my land worth 1,000,000ugx which am going to start cultivating now and the balance of 183,000ugx I spent on purchasing food for household consumption." (Country: Uganda)

"When I received my second transfer, I was able to recover my three acres of land by paying off the mortgage a mount worth 550,000ugx which am going to start cultivating crops for family consumption, the balance of 1,083,000ugx I used for completing the construction of a permanent house in order to improve on my living conditions." (Country: Uganda)

"The biggest hardship I face in life is the challenge of raising school fee for my children especially the two who are in secondary. Since I do not have a stable source of income, it becomes so hard to balance the little I earn on buying daily food and saving to clear school fee arrears." (Country: Kenya)

"The biggest hardship I've faced in life is when I lost my two children in a row. My son passed away after a surgery procedure then two months later my daughter also passed away after a short ailment. It was such hard time for me because I was left alone with orphans." (Country: Kenya)