"My biggest hardship I have faced was when I was sick and there was no money to use for my hospital bills yet I didn't have an nhif card."

"The collapse of my maize business is the biggest hardship I have faced.The main reason for its collapse is the hard economic times that we were facing as a family:the hunger and even lack of other basic neccesities.All the capital went towards these needs and this rendered us poor and we resorted to casual labour which are quite hard to get and pay little."

"I am staying in a more spacious decent house and thats makes me very proud and happy because neighbours used to laugh at me."

"Job loss is quite devastating. In the year 2009, my husband and I lost our jobs almost at the same time. We used to work in Nairobi though at different places,.That was the biggest hardship because after some time of being jobless we just decided to come back home. "

"When I received my transfer I was very excited. I woke up dressed up knelt down and prayed first for God to help me use my trasnfer in the correct way."

"The biggest hardship I face in my life is difficulty in providing food for my household. I do not have a job thus I always struggle to sustain myself."

"Receiving this money means a new beginning towards my financial freedom. I shall spend the money on starting a tailoring shop, from which I shall be earning some daily income."

"The biggest hardship I have faced in life was early last year that challenges came to my family in double whereby my husband lost his job and the death of my mother that occured after I spent a lot of money in her medication leaving me without any savings nor business to sustain ourselves."

"About 20 years ago, I lost my husband. Accordingly, I never imagined I could manage to sustain my family - it seemed that the world was coming to and end because he (my husband) was the primary breadwinner. Luckily, God has been on my side - I have managed to fend for my family since then. Hence, the lose of my husband serves as the biggest challenge I have faced in life."

"My top concern is meetin my daily needs ,when my children come home from school i would want them to have even some evening tea to take after school and for me not to borrow from people to feed my family."