"Since the money is kind a less I would prefer putting it in the housing as a new business then they next one start up a boutique then the 3rd one to sustain the two busineses ."

"In the next six months, I expect to have started a small business so that I can have a source of income."

"In the next six months, I expect to have started up a dairy unit."

"Receiving this money will make as move a step ahead since we are going to use it to build our own house as we are staying in someone's house, and also pay school fees for our daughter."

"The biggest hardship I have faced in life is lack of adequate money to accomplish my education as per my wish since I am coming from a poor background,this has made me to live a very miserable life. "

"Receiving this transfer means a sigh of hope to me and my household. I shall spend my transfer to educate my orphaned grand children."

"Receiving this money makes me so happy. Currently I have a son who is in form one. He is always sent home for school fee arrears. This hinders his study. I will therefore save my transfers and use it to pay for his school fees."

"The biggest hardship I face in my life is that I had undergone an operation and it really drained our finances. This has made us to exhaust our savings leaving us with very little to spend. "

"The biggest hardship I have faced in life was two years ago that after losing my husband, I was not able to pay rent to my business premise in Nairobi, after I had stayed on deposit, the landlord kicked me out and I had to come back to our rural home with my children where to settle down I had to seek job in peoples farms and ask for money support from relatives."

"The biggest hardship I have faced in my life was being very sick and unable to raise money for medication. My friends had to organize for a fundraiser to help me. "