"My biggest hardship in life is lack of a descent shelter for my family. Living in a one room grass-thatched house has never been something to smile about. Life has been hard especially during the rainy seasons."

"The biggest hardship in my life has been lack of money to cater for my children's school fees and also to buy food for my family. My children have been on and off from school because I lack the cash to pay their school fees."

"I would desire to do crop farming but the adverse climatic conditions we are experiencing attract negative impacts. Precisely, the unfavorable climatic conditions in our area act as the toughest challenge I have faced because they deter me from venturing into my dream project. Whenever I engage in crop farming, I usually realize poor yields and even losses that are very demoralizing."

"I have three kids who are still pursuing their studies. As such, receiving this money means that they shall all complete their grade 12 or even higher. As a widower, raising, feeding, and educating my children has been a challenge because I have no formal employment or any source of substantial income. I have sold all the livestock I had, hence, I will buy a cow that will mature and reproduce. So, I will get milk for sale and consumption as well as heifers that will be sold to get the needed school fees."

"Since I do not have a formal job, receiving this money means that my dream project of rearing poultry for commercial purposes shall materialize. Precisely, I will utilize the money on building a poultry structure and acquiring some birds and their feeds. I would choose poultry farming since I find that there exists a ready and nearby market for mature birds. Eventually, we shall be enjoying high income, and thus leading a better lifestyle as a family."

"I have been struggling to provide and care for my extended family since most of my children do not have formal education or any reliable sources of income. As such, receiving this money means that I shall afford to build a better and larger house for my family since the one we are currently living in is too small. The two-roomed house cannot comfortably accommodate the relatively many grandchildren who frequently visit us."

"I have been struggling a lot with medical expenses for my children. Two of my children have chest problems which doctors say that they have an asthmatic problem that is building up. My first born has a mild mental problem that is slowly worsening. I have not been able to seek proper medication due to lack of money. I am worried that their health problems may worsen as they continue growing up. This has been torturing me a lot as well as draining me financially. It is my biggest hardship."

"Receiving this money means a lot to my family because I know we will fulfill our desire of building a semi-permanent house. Living in a grassed-roofed house that is leaking is so annoying, more so whenever you have visitors. Also, it acts as both kitchen and bedroom hence there no privacy for my grown-up children whenever they need to change their clothes. I will use this transfer to purchase building materials and the remaining I will buy a dairy cow. Having this house will give my children enough specious, their privacy and humble time when they are studying."

"It means I will buy a cow and boost my business.my family needs a stable source of income and I think when we purchase a dairy cow we will have milk to sell to our neighbors and even some for household use."

"I have been nursing my leg which has a nerve problem for a long time. I managed to visit different hospitals for medication but the doctors confirmed that I should go for surgery so that I can be well. Since that time I have not managed to go for surgery because as a charcoal vendor the income I get every month is 3000 Kenya shilling which is not enough to cater for the medication. Financial problem is therefore the biggest hardship in my life."