"My wife and I were not lucky to go beyond the primary level of education. Getting a formal job with no education is not easy thus we majorly depend on casual jobs and farming. I have lived a hand-to-mouth life since we could not afford to save. I can not afford to bring an asset. To me, financial instability is my biggest challenge."

"Acquiring a dairy cow has been a wish that I have had for years since I sold all the cows that I had to pay for my children's education. This has forced us to buy milk daily from vendors at a daily cost of KES 50 which is very costly since I do not have any source of income that enables me to buy milk daily. Receiving this money will be a relief to me since I will be able to buy a dairy cow that will supply my family with milk and cut the cost. It will enable me to also sell the milk and earn some money for buying food."

"The prolonged drought has made our life difficult as my family depend on crop farming which failed terribly. I planted three acres of maize which dried up and I had always depended on farming to feed my family. This has made my family at times sleep hungry and also I spend the entire money on food and am left with nothing to pay as school fees and often my children are at home as a result of a lack of school fees."

"Due to the drought we are experiencing in the region, farming has been negatively affected and this has resulted to famine. I depend on charcoal burning occupation which I only get peanuts and it's always insufficient for my family needs. We sometimes take one meal a day and this has affected my children's health. Lack of school fees is also a big challenge as I don't have a reliable source of income."

"Three of my children are in primary school. Getting school fees has not been easy since my husband has no sustainable source of income. This situation has stolen my peace of mind. He is currently taking care of Dairy cows, where he is being paid 300 KES per day. Being the breadwinner in our extended family, this money can only cater for food. I plan to clear the fee arrears of KES 10000 and start a small business with a capital of 40000 KES that can serve as an investment and as a source of raising school fees."

"Being a firstborn daughter in a family of 5 siblings, I fully support my parents as well as my family of 6. I was employed with the Teachers service commission in 2019 in a secondary school in Transmara where I earn a net salary of KES 20000. It pains me that I have to apply for loans since this money is insufficient to support both families. Furthermore, I apply my shares and salary as collateral and I fear that if I fail to pay back I will run bankrupt."

"i was very happy when i received the transfer because i knew that i would build a house"

"Financial limitation is the biggest challenge we are currently facing. I work as a shopkeeper and earn an average amount of KES 8000 a month. This amount is inadequate to provide for my household needs as well as pay school fees for my children. I pay an approximate amount of KES 150000 per year for school fees.This has been so strenuous and demanding to an extent that I have sold out my three livestock to cater for this.Despite selling them ,I could not afford to fully settle the school fees amount hence I have arrears amounting to KES 20000.The lack of money is truly a bigger hindrance to progress in my household."

"Since 2020 financial limitation has been the biggest challenge in this household.My business collapsed in 2020 due to Covid 19 pandemic, we were unable to restock our business because of lockdown. Moreover, my husband lost his temporary job during that time and hence we had to depend on farming which does not yield well currently. It is a great struggle for us to pay our children's school fees because we do not have an adequate source of income currently."

"I got married in 2012 and from that time I have been yearning to buy a dairy cow. This is mainly because dairy farming does well here compared to crop production. From my observation and experience in this area, earning a living and being able to provide for the family needs ownership of a dairy cow. I will buy a cow worth KES 35000 and this will enable get milk for my family. This will enhance the nutritional status of my household as well as help in securing the future of my children. The calves and savings from the milk sales will ensure smooth payment of my children's fees in the future and hence quality education."