"The biggest hardship that I face right now is lack of enough money to pay school fees for my children, my income is not sufficient to cater for all my children's school fees and I fear that they may drop out of school."

"The biggest hardship that I face right now is ill health and lack of a sustainable source of income, I have a granddaughter who is supposed to join secondary school but I cannot raise the fees due to my illness and she might have to defer her studies."

"My proudest achievement is having worked as a casual labourer and after saving for many years I was able to construct my own homestead."

"My proudest achievement is having joined a deposit taking micro finance bank and after saving with them, I was able to take a small loan which I used to purchase a motorcycle taxi."

"My proudest achievement is having worked with my spouse at the lakeside and saving our wages up to the point where we were able to build our current house."

"My proudest achievement is having been a green grocer, I worked for many years and managed to save most of my money, eventually I was able to settle my late husband's hospital bills."

"My proudest achievement is having saved money that I earned while doing odd jobs and managed to educate my daughter up to college, where she is performing quite well."

"My proudest achievement is that we have struggled to educate our son upto forth form."

"To spend it on paying dowry, starting a business"

"To pay school chool fees and house renovations"