"I am employed as a casual laborer at someone's shop where my work involves carrying heavy luggage to and from the store. The work I do is very tedious and earns me only KES 200 per day which is not enough to cater to my family's needs. At the same time, I support my grandmother who is very old and can not do anything to earn a living by buying her food and catering for her medication because she is sick. This makes me struggle a lot financially, sometimes I can not attend to emergencies that arise like hospital bills."

"For me, I will like to continue my education so once I get this money I will enroll back in school to continue from the class I dropped from due to difficulties after my father's death."

"Receiving this money means a decent house for my family. Currently, I am living in a small and temporary structure. I have wished to own a good one but I have not realized this due to financial instability. I am planning to spend KES 60000 to construct a two-bedroom house. I will further spend KES 15000 of my transfer to buy 5 goats that will act as a long-term investment project for my household. The remaining amount will be invested in my children's educational needs."

"Receiving this money means restoring the dignity that I have lost for a long time. This is because I have been living in a grass hatched house which is almost falling. My plan is use KES 55000 to construct a two bedroom house so that I can live a decent life. I will further spend KES 20000 to buy a bed and mattress to avoid the cold floor. With the remaining amount, I will buy 10 goats that will act as a long-term investment project for my household."

"My daughter is studying at the university and my two sons are in secondary school. This has been costly and challenging for me since our household income is not enough when we budget between paying school fees and buying family basic needs. My two sons are currently at home having been sent home to collect school fees areas."

"The challenge that I am currently facing is food insecurity and water shortage due to prolonged drought. It has been three years since we received adequate rain in our area. This has led to all water pans in the area drying up resulting to anxiety and depression. I am a house wife who rely on casual labour of charcoal production which is labour intensive and the return is not sustainable for a family of six members on both food and water. My earnings of KES 2400 per month goes to food only. Sometimes I sleep without bathing, something that is embarrassing."

"Tough economic times have seen me struggle a lot financially. Receiving this money means diversification of income for my family. My retail shop business is not doing well because I lack adequate cash to buy more stock. T.he prolonged drought has made things worse because farming is no longer reliable. I plan to spend KES 50,000 of the first transfer for restocking.I will also use KES 16,000 to purchase five indigenous goats as well as ten chickens of local breed.This will enable me to have assets that I can use when a financial need arises."

"I have six children and my husband left me some years ago for another woman. Now I have to look after my six children all alone. This is a huge responsibility which I am failing to manage as I do not have a stable source of income as I rely on casual labour which does not even fetch enough money to allow me feed and provide for my household"

"The hardship we've faced is lack of clothes and food for our family. This is because we don't have enough money to buy the necessities. Having a business keeps money moving and we're able to buy what we need by and by."

"The biggest hardship I face is the lack of money. For food, clothes and comfortable living. This is because we harvest less because of lack of money for farm inputs so what we produce is barely enough for food let alone selling to carry us through the year."