"The biggest hardship I face is lack of money for buying oxen and ox-plough. My mother moved for another marriage after the death of my father. She left me struggling with life, so from child hood I survive on farming. This requires an input like oxen and ox-plough yet I do not have money hence cultivation has always been a problem."

"The biggest hardship I face is lack of land. My parents have never treated me well when it came to giving out customarily land. They claim Iam not eligible for any land since Iam a come back. This has left me with no choice but to be a begger ,so life is really hard since I only depend on selling "omena" (small fish)."

"The biggest hardship I face is poverty. Iam an elder son among siblings, so all the burden of paying their fees and sustainability depends on me. My only available source income is through causal labour and farming. This gives me little money for maitaining the needs of the family."

"At my old age, i could have wished to have someone to take care of me but since my wife passed away 2yrs ago, i feel lonely all the time and i have to depend on my children to take care of me. This is the hardship i am currently facing"

"My house will be improved because It will be timber walled and the floor will be made of concrete. The expected difference is the fact that my family will be living in such a nice compound and house that I always wanted for them. I also expect to have a fully furnished house with a 7 seater sofa sets. I will be using the GivedIrectly transfers to make all these improvements."

"In the next six months of my life, I expect to have saved enough money and most likely by then I expect to have replaced the current broken door. This will make me feel more secure because I stay by the road and I find it unsafe staying in a house with a broken door."

"I expect my life to change in the next six months in that I shall be self-employed through starting a grocery business at a center nearby with the saving from the merry go round group. This business will generate a daily income to finance the additional needs for my family."

"In the next six months, I would want to save part of my transfers to buy cement and sand which I will use in plastering my house. I had a dream of building a permanent house but due to low income, I am not able to. With the opportunity given to me by Give Directly, I would want to have a semi-permanent house."

"In the next six months I expect my life to change in that I shall have been able to complete my mothers house and practice diversified farming. This shall improve my living standards by a great extent and enable me make more investments in future."

"In the next six months, I would want to ensure that I pay my daughter school fees arrears so that I stop the issue of her being sent home regularly for the same. I would want her to have maximum time to study which I know will improve her performance. When she gets good grades, she will go to a good secondary school which will result in a well-paying job to help support her future."