"I have always wanted to transform the whole of my main house to be of a concrete wall and floor.I have renovated a part of it but I was unable to complete it due to inadequate funds. Some bags of cement are in the store at the moment.I want to transform the whole house so that it can be decent and attractive.I want at least $500 to complete the house.I shall also establish a good business with a capital Of Sh. 45000 to serve the community ,the one I had initially collapsed because I used the benefits to pay my kids school fees and now that I have nobody to pay school fees for I can sustain a business (shop)."

"We are a family consisting of five children,two sons and three daughters ,our house is small and its not enough to accommodate all of us.Building a house is expensive and our income doesn't allow us to meet the cost.My children usually go to sleep with their grandparents. This expose them especially my teenage girls since they can easily be waylaid and lured by men on their way to the grandparents house. In the process they might get pregnant at their tender age. Our plan is to expand our house to at least 3 rooms so that one of the room can be used by our girls. Consequently, we will be able to be close with them and also have umple time to study during preps. We expect to spend approximately USD 400 and the rest we use to buy a dairy cow."

"The biggest challenge I now face is raising up the family. As the children grow so does the responsibility increases. My budget line is expanding each day especially in terms of school fees,my boy recently join university and it is really expensive, I also have two others at high school and the rest in primary school. As school opens that is always a nightmare to me, because really I do not have savings,I only depend mostly on farming which sometimes is affected by the vagaries of weather and poor quality of seeds."

"The biggest hardship i have faced in my life is poverty. For a long time it has been very difficult to get all my needs and life has been very difficult"

"Owning a bigger house has always been my desire. I am a widow and the breadwinner of my household. I currently live in a small grass thatched house with my 2 children ,with the other teenage boy borrowing sleep from the neighbours. Receiving this money means building a decent house (300usd)to accommodate my family. I will spend the remaining transfers on food, clothing and purchasing a dairy cow(300usd).The milk will be used by the household and the remainder sold for income(0.35usd) per litre."

"Lack of finances is my biggest hardship. My husband passed on in February 2021. He was the bread winner for the family and our combined income could easen the family financial constraints. I now depend on the small business and the income is not sufficient enough (1.5usd) to feed and educate my family. I have not resumed to this business since then as I have to attend to the cattle and the farm."

"The biggest hardship i have faced in my life is lack of food. Although i am a subsistence farmer i fail to yeild more because i do not manage to buy fertilizer hence i always strugle to feed myself"

"I lack money for basic items such as soap, salt and food being an old woman. I believe this money will help me cover for some of those basic things"

"Receiving this money means food security to my house hold. This is because I do farming in a 1acre piece of land that I was given by my mother in law. The produce from this land is utmost 2 bags of 90 kgs that sustain my family of five for 2 months.I am planning to spend my first transfer to buy 2 acres of productive land that can produce more harvest to sustain my family. I will use $400 of my second transfer to buy 3 indigenous dairy cows to produce milk for consumption and also to sell the surplus to earn an income. The remaining amount will help me to cater for my basic needs like food."

"This money will be used towards building a modern house as the one I currently live in is grass thatched and in bad shape. I will also use the money for buying fertilizers and food"