"I run a vegetable selling business that I started using my previous transfers, and I am glad to say that it has allowed me to support my family alongside the income my husband earns as a motorcycle taxi driver. Currently, we live in a mud house, and I have always dreamt of having a more durable house made of blocks and concrete. To make this dream a reality, I plan to save a portion of the transfers I receive from GiveDirectly, along with some of the profits from my vegetable business and contributions from my husband's earnings. By doing this, I will gradually purchase building materials needed for our improved home. In addition to this goal, I want to ensure that my children continue their education without interruption, so I will allocate another portion of my transfers to support their schooling. Furthermore, I intend to reinvest part of my business profits and occasionally use some of the transfers to help my vegetable business grow. By following this plan, I am confident that we will eventually have a more durable house to live in and a sustainable source of income, especially when the GiveDirectly program comes to an end."

"As a businesswoman, I have been actively involved in traveling to our local villages to buy goods and livestock at lower prices, which I then sell at a profit in the markets. This business has greatly benefited my family, but I am now looking to change my course and invest in a venture that requires less movement, allowing me to spend more time at home. Currently, I own some livestock, including cows and goats, which I acquired using the transfers I have been receiving from GiveDirectly. However, my husband and I have to pay someone to help take care of them, and this is a little bit costly. To address this, I plan to start a food-selling business that is just near my home. This will enable me to manage my livestock more effectively while cutting costs associated with hiring help. By running this food business, I can earn income while being present for my animals. To kickstart this new venture, I intend to use the proceeds from my current business. Additionally, I plan to continue saving a portion of my transfers through our merry-go-round group. Once I receive those funds, I will invest in more livestock to increase my herd. This growing herd will become a valuable asset that will help support my family in the future and also take care of my children's education as they transit to higher levels."

"In the upcoming year and beyond, I aim to construct a spacious three-room house to provide my children with their own individual space. Currently, my husband, four children, and I reside in a single room, and I wish for them to have comfort and privacy as they transition into adulthood. Therefore, I am diligent about saving part of my transfer every month through our merry-go-round group, which instills discipline and makes it easier to save as a collective. I am confident that with disciplined savings, I will be able to achieve my goal. Despite my spouse being jobless, he supports this idea, and we both work hard to make it a reality. I am determined to provide my family with the comfort and privacy they deserve, and I believe that diligent saving through our merry-go-round group will help me achieve this goal."

"In the coming years and beyond, I have two priority projects to accomplish. Currently, I live in a two-room house. My goal is to build an additional room for my sons, who are currently in school. I believe it's important for them to have their own space once they finish their studies. Living with grown men in the same house doesn't feel right to me, and I want them to have their own place. To achieve this, I plan to purchase metal sheets gradually and store them until I have enough to start building. I am confident that with the financial support I receive from GiveDirectly and the income from selling charcoal, I will be able to reach my goal of providing a better living arrangement for my family. Additionally, I want to invest in goat rearing. Once I am done with building my children’s house, I will divert my funds to buying goats. This is because I would want to have an income-generating investment that will support me once my other sources of income come to an end. Furthermore, I chose goat rearing because they are marketable, they adapt well to our climate, and they multiply very fast."

"In the coming year and beyond, my main goal is to finish building a proper cooking place. Preparing meals for my family has been a challenge, and I’m determined to overcome this issue. I have made significant progress by purchasing all the necessary iron sheets and building poles. Now, I need to raise funds for the labor costs to start construction. To do this, I plan to join a savings group where I’ll set aside a portion of my transfers each month. Once the savings grow, I’ll use the funds to pay the mason and complete the cooking area. I am very grateful for the financial support, which is helping me move closer to achieving my goals despite my unstable income."

"In the coming months, my goal is to both purchase livestock and complete the construction of my house. I have already built the walls of the house and now just need to finish the roof. To do this, I plan to buy iron sheets, using some of the money from my transfers and a portion of the profits from my livestock business. I need 24 pieces of iron sheets to cover the entire roof, so I’ll be buying them gradually until I have enough. Once the roof is complete, I'll focus on investing in more livestock, which will be a valuable asset for the future. I'm very grateful for the financial support I'm receiving, as it’s helping me achieve these important goals."

"My main goal for the coming year is to repair my house, which is in urgent need of attention. The iron sheets on the roof are old and full of holes, allowing rainwater to leak inside whenever it rains. To make this happen, I’m planning to grow maize on my farm, hoping for a good harvest. If all goes well, the maize will provide enough food for my family, which means I won’t need to spend as much money buying food. With those savings, I plan to purchase a few iron sheets each month until I have enough to start the renovations. Once I’ve gathered all the materials, I’ll be able to fix the roof and improve our living conditions. I’m incredibly grateful for the financial support, which has given me the stability to not only meet my family’s day-to-day needs but also work toward long-term improvements in our lives."

"I currently have twenty indigenous hens that I am rearing, and once they are mature, I plan to sell them at the market for a profit. However, since this breed of hens takes longer to mature, it delays how often I can earn profits. To address this, I have started learning about rearing hybrid hens, which mature in a few months. Venturing into this type of poultry farming will increase the frequency of my earnings and help me grow my business more efficiently. Although I am retired and receive a pension, I aim to save part of it, along with some of the money from the financial transfers, to invest in hybrid hens. With enough savings, I hope to start this venture next year, as it will allow me to generate faster returns. So far, I am happy with the progress I have made, and I deeply appreciate the financial support, which is helping me live a better and more secure life."

"My five children have accumulated significant school fee balances, and my goal for the coming year and beyond is to gradually pay off these debts so that they can attend school without the fear of being sent home. These unpaid balances have not only caused me many sleepless nights but also disrupted my children's consistency in school attendance. To tackle this, I have developed a plan. Each month, I will set aside a portion of the transfers I receive and combine it with savings from my business profits. This approach will help me steadily clear the outstanding school fees. With this strategy, I am hopeful that my children's attendance will improve, and they will be able to focus on their education without interruptions. I am deeply grateful for the financial support from the transfers, which has been a lifeline, especially in financing my children's education. It brings me great happiness and relief to be working toward a more stable future for them."

"To create a more reliable source of income, I plan to use my upcoming transfers to purchase goats. One of my daughters is finishing her education this year, which will ease the financial burden of paying school fees, leaving me with only one daughter still in school. With this reduced pressure, I’ll have more room to save money from both the transfers and the profits from my business to invest in goats. As the goats multiply and grow, they will become a safety net for emergencies. I can sell some to generate income and use it to support my family when needed. I’m very happy and deeply appreciative of the financial support, which has been essential in helping me take care of my family despite the financial challenges I’m facing."