"I am a farmer and my plan when I receive this money is expanding my farming activities. I will start by clearing land for cultivation. I will then buy two oxen to help me plough the land. The oxen will cost me 500 USD and preparing the land will cost 200 USD."

"The biggest hardship I have ever experienced in my life is sustained payment of school for my kids. Currently, I have four kids who are studying; two of whom are in secondary level and the other two in primary level. Their total annual school fees averages at 1500USD and this is a large sum of money considering that I have no reliable source of income. To be able to cater for this, I have been constantly borrowing friends and relatives then put up with the pressure of repayment."

"Receiving this money means that I will be able to pay school fees for my kids, buy dairy cattle and renovate my house.I intend to use 500USD to pay school fees for my three kids who are in secondary education while one is in tertiary level. I will then use another 250USD to buy one dairy cattle to supplement my family with milk products as I already have one that produces very little milk. Lastly, I will use the remaining balance from the transfer to renovate my house by replacing old worn out iron sheets and improve on the household furnitures."

""Lack of a reliable source of income becomes my biggest challenge. I am housewife who depends on my my husband who is a driver. His salary is not enough to cater for a family of 18 people because we are polygamous.""

"My house is old and in a bad condition. The roof leaks and a few renovations needed. I have budgeted 200 USD to cater for all this. I will then use another 200 USD to start rearing goats. I want to start with around 8 goats. I prefer goat rearing because they multiply very fast. This will help me meet a lot of needs within a short time when I sell a few of them."

""My biggest hardship in life is lack of a good source of income. I am a shepherd who earns 3000 shillings per month. This amount is not enough to sustain my needs e.g food.""

""Inadequate capital becomes my happiest part of the day. I am a charcoal vendor, this job is energy draining and earns me 200 shillings per 1 sack. It takes at least 3 days for a sack to be ready for sale. This amount is not enough to cater for my basic needs. That is the reason I have failed to clear dowry for my wife too.""

"" My wife has been suffering from stomach problem for 5 years now without getting well. I have been using all the money on treating her in different hospitals with no vain. Illness has been my biggest hardship because I can no longer save anything.""

"I am a motorbike taxi driver since 2015, this job has been sustaining my family to date. Currently, the motorbike I own have been using is having mechanical problems. I am planning to spend $ 150 in repairing my motorbike. I will invest the remaining amount in my children by purchasing 7 high-breed goats at 50 dollars each. This will be my long-term investment as I will be able to sell them when they reproduce to educate them. This is what receiving this money means to me."

"I majorly depend on charcoal burning as the source of income in order to get my daily meals. This means without involved in this venture, I will be forced to get help from my sons whose support is inconsistent and sometimes I go hungry the whole day without eating. Therefore, the lack of a reliable source of income is my biggest hardship."