"I was born into a family of 7 children and immediately after completing my studies in secondary, I could not proceed to college due to the lack of money. This means I could not get the required basic skills to compete in the job market. This was the sole reason I ended up marrying early and having a family to take care of. Since I am a casual laborer, my job mostly earns me $150 per month. I usually spend this money on offsetting my bills and other household needs. Saving for my future has never been possible and this has worried me most as a parent. I always ask myself; "how will I support my 3 children in school"? I, therefore, consider the lack of a reliable source of income as my biggest challenge."

"At my age, I do not have my own house, I currently operate from my brother's house, something that bothers me a lot seeing some of my age mates having their own houses. My goal was therefore to have my own house before the end of this year. I had already bought some iron sheets with part of my previous transfers and I would continue buying some and also saving a porting of the transfers so that I would commence the construction."

"Livestock rearing had been one of the most projects that I had dreamt of having. With a large family and no reliable source of income, I had thought of having an income-generating activity that would help me educate my children in the future. My goal is therefore to have as many livestock as possible so that whenever I would be faced with any financial challenges, I be able to sell and get the required money. I plan to be saving part of my monthly transfers to help me start the project."

"My goal is to set up my own business. After I shall have completed my tailoring course, I would not like to be employed by someone else and instead, I would want to set up my own tailoring sh and be my own boss. With the transfers that I would be receiving, I would ensure that I save at least $10 every month to enable me to buy a sewing machine worth $20 for my business."

"My goal was to be one of the greatest livestock rearers in the area. After reflecting on the situation at my home, I wanted to start a project that would help generate income for my family so that they would no longer experience the financial challenges and they had before. I had so far started buying livestock (chicken and goats) with part of my previous transfers, and my focus is to continue saving on most months as I also buy the livestock on some of the months."

"I consider food insecurity as the main challenge in my household. This is because being a widow staying with 3 young grandchildren is equally an added burden on me. Since their mother works as a house help, her monthly income of $50 can not sustain our needs. In most cases, we seek help from my daughter-in-law. The pain of watching them desperately at home sometimes stresses me most and this has devoured my hope as a guardian."

"I have a small retail store business, but the income I get from it had never been enough to fully cater to my family’s needs. I have always wished to have a type of business whose income is enough without having to struggle to engage in other income-generating activities. My goal was therefore to expand it by adding more stock and I plan to save part of my monthly transfers so that when I shall have gathered around $100, I would immediately do the restocking."

"Ndifuza ko mu myaka iri mbere aho guhinga nzaba narahongereye, amatungo yanjye yarorotse ampa ifumbire nkabona umusaruro ukomeye nkazajya nihaza mu bindi bikenewe mu buzima bwa buri munsi."

"Mu gihe kiri imbere rero, ndifuza kuzaba nararyoheje inzu yanjye isa neza, naraguze amatungo yandi ndetse naranaguze umurima mugari."

"Lack of reliable job is the current challenge I am currently facing. I do casual jobs earning approximately $50 per month which caters for food only and my wife has no job she does domestic chores only. I have two children at school and they have a fees balance of $60 . This has made them on and out of school sometimes. Clearing this balance has been a challenge for me die to lack of reliable job."