"Coming from a large family of 7 men, the ancestral land is becoming smaller as the family expands and one of my biggest concerns is lack of enough space for cultivation. I, therefore, intend to use my first transfers to purchase a piece of land, and that will be a dream come true. I will no longer have to purchase farm produce from neighbors as I will have enough space to grow my own. Additionally, I desire to venture into goat rearing business --accordingly, I will purchase 10 goats for a start and as they continue breeding, my financial stability will be strengthened, and that is what receiving this money means to me."

"The biggest hardship that I face in my life is inadequate land for crop cultivation. I hire land to cultivate on a yearly basis and that is very expensive to maintain. All the money that I esrn through tailoring is spent on hiring and weeding crops leaving me with not savings."

"The biggest hardship that I am faced with is inadequacy of money to provide my childrens' education needs."

"The biggest hardship that I am faced with is inadequacy of money that would otherwise enable me to fullfill the desires of my heart. I have for long wanted to have cows at home but I have not yet had the opportunity because I can not afford."

"The biggest hardship that I am faced with is inadequacy of money to take care of the education needs of my children. I have many children in secondary school level of education but getting money to provide for them is a charllage."

"The biggest hardship faced currently is shortage of cultivation land to grow more food crops since most it is held up as security for money borrowed. In addition, with limited money available, I find a challenge in paying children's school fees."

"Receiving this money means acquiring bulls that will be used as oxen to plough gardens, and starting a small business that will act a source of income to support my family life."

"Receiving this money means buying an acre of farm land. I own two acres of farm land which is nit sufficient. This will improve on my household's resilience to famine."

"The biggest hardship I face in my life is lack of a reliable source of income for the household. I am a peasant farmer and inadequate land and lack of oxen for crop cultivation had hindered income generation at household level."

"Receiving this money means I can buy livestock both for marriage and agriculture."