"The biggest hardship that I am faced with is inadequacy of farm land. I am able to cultivate because of the good history I have created for my name. I am able to borrow a piece of land and atleast plant something that can support my family. However, this also comee along with it's own charllages for example some times I can chance to get a garden far a way from home. Transport alone becomes an issue and more so, people take the advantage of the distance and steal the yiels of the crops. There is no gain in this. "

"The biggest hardship i have faced in my life is lack of enough money for meeting the basic needs like medical bills school fees. The land is also small for us to produce large harvests in order to sale since we rely on farming."

"The biggest hardship that I am faced with is poverty. I am not able to provide all that is needed for a family. An example is the fact that I do not have oxen to support in the farming activity and yet it is very key in a village setting. When the season to do farming is due, the best I can do is to move round to do casual labour so as to earn some money in order to be in position to hire oxen and an ox-plough from those who have. This is never effective because there are delays involved. At the end of it all, poor yeilds and food shortage because the weather may not favour crop growth. "

"The biggest challenge in my life is lack of a sustainable source of income to support family needs like paying school fees, medical bills, to mention. My main source of income is farming which is not reliable enough to produce better yields due to droughts or floods."

"My biggest challenge is inadequate farm land for crop cultivation which has rendered my home food insecure. I own only two pieces of farm land which can not sustain my household. "

"Receiving this money means buying bills that will support my household in opening up land for crop cultivation. I have been hiring bills for ploughing which is very expensive for me and not sustainable in any way."

"I have a house I had begun building but stopped half way because of finances. So the first thing I will do is to see that I complete the construction of that house so that me and my family get better accommodation. The price of thatching grass is high because its scarce so the ironsheets house will save us money we spend on grass. I will also pay back a loan I borrowed from someone so that I regain my piece of land I had staked as collateral."

"I read the mobile money message the following day. I felt extremely happy because I had obligations that required alot of money."

"I received a mobile money message at night but I did not read it. However, I read the message the next morning and I felt very happy. This money was to help me plaster the house."

"My daily life has changed in that I feel relieved and happy because I was able to hire a piece of farm land. I bought an ox that has boosted my farming. Previously, we had to beg for oxen for ploughing."