"The biggest hardship that I face right now is lack of a steady job. I am a welder but due to lack of capital I am unable to raise the required cash to open my own welding shop."

"The biggest hardship that I face right now is lack of a sustainable source of income for myself, fishing is not as lucrative as before and this means that my income has diminished."

"The biggest hardship that I face right now is lack of a sustainable source of income, ever since my spouse died I have been the sole breadwinner. I have school fees to pay and if I am unable to raise the required money my children might drop out of school."

"My proudest achievement is having toiled in my farm for very long and eventually after selling my farm produce I was able to buy some goats and a cow."

"I plan to buy more ironsheet, timber and nails, and build an iron roofed house."

"I plan to buy ironsheet, timber and nails, and extend my house to make it more spacious. I also plan to start poultry keeping as a money generating activity."

"I have been homeless for many years, but now I will have an opportunity to buy builing materials ( ironsheet, timber and nails) and build an iron roofed house."

"I plan to spent the entire transfer as capital to open a grocery shop so that i may have a source of income."

"I plan to buy cement and cement the floor and walls of my house to make the house more presentable."

"I plan to buy ironsheet, timber and nails, and build an iron roofed house."