"Receiving this money means access to clean safe water for household use. In our area water source is a challenge especially during low rainfall. We travel over 2 kilometers to get water. This is usually tiresome since the water include livestock. I am lucky that I have a motorcycle which I use to carry it however this means my daily income for the motorcycle taxi job that I normally do will be low and sometimes fueling eats into my profit. So when I get this money I will purchase a 5000-liter water tank."

"Financial constraints is the biggest challenge in my life. I used to own a herd of cows two years ago but sold all of them so that my son could go to university. Lack of stable income has seen us strain alot financially because we solely depend on my wife who does casual jobs to earn a living. What remains after purchasing food from the income of KES 200 per day is hardly enough to pay for school fees leaving us with alot of arrears. It gives me sleepless nights when my son is unable to do his exams due to school fees balance."

"I used to live with my family but due to lack of money to build a spacious house, my family separated with me. This has really caused loneliness to me . It is also had to provide food for my family because of the distance factor. Loneliness is the current challenge I am facing."

"Food shortage is the current challenge in my family. I primarily depend on farming to see my family through. I cultivate a quarter of an acre which is too small to have enough yields for our consumption. I harvest an average of 4 sacks a year which can only last us for eight months. I am left struggling to feed my family for the remaining part of the year."

"As a single parent, it is hard to bring up a family alone. I used to do masonry at Kilifi but I fell sick two years. I have chest problem and I can no longer do masonry. I now depend on subsistence farming for my family survival. Paying school fees for my children at school is a challenge now. So lack of job is the current challenge I am facing."

"I have new goals of starting up a new business of selling second hand clothes, as I have always having the passion of being in the business sector.It has high demand as those in middle class do not opt to buy new clothes due to high prices. Before the transfers, I never had such goals in my thoughts as I have been wondering where to get the capital. With the transfers, I am planning to sell out some of the livestock to get capital."

"I am a housewife. My husband provides for most of our needs but he struggles a lot. Our children's payments are delayed and sometimes, they stay at home. It breaks my heart when this happens but I cannot do much. A small business would help boost our income."

"After high school, I could not collect my result slips and certificates. I had fee arrears of KES 12,000. I intend to settle it so that I can pick my documents. I have always wanted to take up a plumbing course. I will use some of these transfers to go through college. It's quite marketable."

"I am the kind of parent who values education. I will fight tooth and nail to ensure all my children have at least completed high school. At the moment, I just pay the little I get to the various schools they are in. I still have so much money to pay but I shall not give up until they finish. The biggest challenge is money."

"Currently I lack a stable job, me and my husband are working in quarry which is tiresome and for me I get sick all the time because of the dust. And I have developed chest problems, and my health is getting worse. We are not able to pay school fees for our six sons who are all at home now, and I am not sure when I will take them back to school, because I lack financial support. It's not easy providing food at home, we live with a big burden of debts from nearby shops, because we depend on quarry which is paying peanuts, and also salary doesn't come in time. This makes it tough to plan for my family needs."