"My husband works as a driver at Malindi but he has no permanent vehicle to work with. He sometimes goes without work for a week. He earns approximately $30 per month which caters for food only. I am just a housewife doing domestic chores. Lack of reliable job has affected my children's education. I have three children at primary school and they closed school last year with a fee balance of $20. They are supposed to clear the balance and pay half the first term fee before they are allowed to go to class when schools open next week. The first term fee is $220 for all three."

"Owning livestock is the best saving plan for me in my old age. I cannot do any physical jobs thus looking after my own animals is what I am aspiring to do. I currently have three goats that I acquired through the transfers and I am planning to buy more. My objective is to buy a goat every month and chickens whenever I receive a transfer. My expectation is that they will reproduce and have many of them, I can readily rely on them when I am faced with a financial challenge and even when GiveDirectly phases out, I will still have some assets to rely on."

"I was quite relieved when GiveDirectly accepted me into the program because I was having a lot of difficulties in school, especially since my dad is unemployed. I was able to pay my tuition over the course of the previous year thanks to this money. In order to continue my studies, my plan for this year is to make sure that I use this money to pay for my school expenses. I can't even begin to tell you how much the money has transformed my life, and my father is also very appreciative because he no longer has to worry about me being sent back home like I used to."

"I would like to open a business. I would like to open a grocery store for business. I hope the business will help me take care of my children's school fees and financial needs at school. I will save up until I have gotten up to $50, which I will use to set up this business."

"I have a challenge of living as a widower because when I go to the farm, I see others working together and it makes me feel bad."

"We do not have enough fertiliser to use in our lands which can help us harvest well."

"We are very poor. Life is hard, sometimes getting the basic needs for the family is not easy."

"I took a motorcycle on credit which I am currently using it to provide taxi services at a fee, and its my only source of income. I could be jobless if I did not have this motorbike. I have five children in school and all are depending on me for their basic needs and school fees. I currently do not have a new goal besides paying for the monthly installments for the motorbike through the transfer. It has been useful to me because I can now put food on the table, and my children are comfortably in school. I'm remaining with around Ksh.60000, once I complete this loan, then I will be able look for other investment opportunities."

"I have been hailing since 2017, a situation that has led to one of my legs having dysfunction. I am always unable to walk long distances. Instead, I am always more at home. My goal is to invest more in livestock with subsequent transfers. It will give me ease to engage in the livestock-selling business. Although I cannot do casual jobs, through the livestock business, I will be able to earn a small income. That is a promising business that can aid me in achieving success as I work hard to provide for my family of five. My additional goal is to build a new house. The current one has been in existence for the past 15 years."