"The biggest hardship i am faced with is lack of oxen and an ox plough for ploughing. I am not able to plant in time because i don't have my own ox plough. This always makes me get low yields because i plant late since i have to wait for the owners of oxen to first work in their gardens before i can get chance."

"Recieving this money means i will be able to buy oxen and an ox plough, pay school fees for my children, and build an iron roofed house."

"I spent the third transfer on purchasing 2 sacks of maize at 3500 KES and a sheep at 2300 KES. I deposited 33000 KES at a hardware shop in Bondo with a plan to obtain building materials and establish a new home come December. I spent the rest of the money on food and other consumables. "

"I spent the third transfer on cementing the house at a cost of 27000 KES . I bought fishing nets at 10000 KES. I spent the rest of the money on my children's school fees."

"I bought livestock worth 21500 KES and building materials (iron sheets) at 15000 KES. I saved 10000 KES for renovating the house and spent the rest on food. "

"The biggest hardship i have faced is lack of money to cater for my households needs. The father to my child abandoned me after realising that i had conceived, leaving me to suffer with no assitance."

"My biggest hardship has been lack of money to buy oxen and ox plough to boast on my household's agricultural production.The use of hand hoe for digging in my household has always given us to face hunger since we get low yields from crop farming"

"My biggest hardship is lack of money to cater for my personal and household needs. I completed a driving course in 2015 but I have never been employed as a driver and yet, I have household needs to cater for.The subsistence farming that my household depends on does not fully cater for our household needs because of the low yields that we usually get."

"The third transfers was spent on finishing my iron roofed house and I have finally moved from my thatched house which was leaking."

"I spent the last transfers to build an iron roofed house and finally moved out of my co-wife house"