"The main challenge is insufficient finances. I have six children all in school. Meeting their daily needs like food and clothing as well as paying school fees is the main challenge. I operate a small beauty shop at a nearby center, the much I make goes to meeting these needs. This means we hardly have extra money to save up for other home developments like a better housing."

"The main challenge I have now is financial constraints. The casual jobs I depend on are unsustainable. I feel ashamed among my peers that at this age, it is like I'm not married yet. This is mainly because I was not able to pay dowry, therefore my wife went back to her family. Saving up has been a problem since I live hand to mouth."

"I have no new goals"

"I am a widow who was left with two kids under my care when my husband died back in 2017. I had to resort to working in a quarry where Manganese is being mined to fend for my children. I earn as little as 450 KES a day which barely sustains my family's needs. With my daughter in form two and my son in standard seven, I have to part with almost 5000 KES a month on school fees alone. I will use my transfers to support my children's education for the betterment of their future. The rest of the transfers will cater for food."

"Our current challenge is financial instability. My husband who is a mason earns 800 a day's work. There is no steady flow of cash as he can go for days without any job. His old age is also a contributor to his low income as he can long longer do manual work continuously. This forces me to resort to charcoal burning to supplement his earnings. The amount we obtain from our work can not sustain the needs of our big family( eight children). Our firstborn daughter could not join secondary school and hard to undertake a tailoring course for lack of school fees. My great worry is for my son who is yet to join high school might be forced to remain at home owing to our financial constraint at the moment."

"I have always been thinking of starting a grocery so that I can contribute to my source of income for the family. I have a family of 4 members and we rely on my spouse for all the basic needs of the household. It is three years since we received adequate rainfall in our area and as a result, the effects of dry weather conditions have been causing a great threat to crop production. Due to this, I am planning to spend the whole first transfer to build a business structure and stock it will all sort of vegetables. I will be able to make a profit of KES 400 from the readily available market around my neighborhood because there is no similar one. A portion of the transfers will help me buy 10 indigenous goat so as to turn into livestock farming as well as furnishing my house. As the goats multiply, I will sell at a profit and cater for other necessities such as the education of my children."

"I am a housewife depending on my husband who does charcoal production as the source of income for the family. The work is energy-draining and the income he gets per month is KES 3000. The money is not enough for the education of my daughter. Due to this sometimes, she stays home longer as I wait for the sale of charcoal which leads to low performance in her studies. It is for this reason that I consider the lack of money as the main challenge I am currently facing."

"When I do any work for more than two hours consequently I start feeling some pains in my chest. I can not even carry a 20-litre jerrican, once I carry it I feel a lot of pains in my chest as well as my back. This has been happening for the last three years."

"I can not catch a breath with the struggle of putting food on the table and the high cost of living. Food is expensive in our area making me work harder to provide for the household. Above all, I do not have a stable source of income."

"I am a jobless mother of six relying on my husband's business. I majorly assist in farming and sometimes I go for casual jobs within the village. I have realized family life would not be easy with just a single source of income. I have opted to improve our farming since I am available and we have a small piece of land to carry out. This cash transfer to me means an extra source of income and notorious food. I am planning KES 35000 to buy a dairy cow. This will be an added asset in our farm and with time my farm will be producing milk for our household consumption and sales. I will have cut off our daily expenditures and have offspring which I will keep as our financial securities."