"I am a teacher by profession but due to lack of employment and the tough economic times, i decided to venture into agrovet business which is lucrative due to the rise in demand for farm inputs. I sell animal feeds, drugs and pesticides which earns me close to ksh 3000 profit daily whenever i manage to get good sales. Initially before deciding to manage the business myself, I had a challenge of employee cheating by selling drugs and restocking immediately so that my stock never moves, which forced me to fire them.Managing finances has been the greatest challenge i face in my business, something that has forced me to take bank loans which has never ended well since i have been forced to sell my livestock severally to repay the debts. "

"My spouse who is a mason earns an average of ksh 200 per day whenever he manages to secure a job and whenever he is unable to get one he comes back home empty handed, which makes it a struggle in fulfilling the needs of our family. It has always been our wish to venture into our own income generating activity that would ensure guaranteed source of income, thanks to GD our dream of buying two donkeys and a cart for transportation hire will soon come true. "

"Receiving this money will help me build another house(two-bedroom house).I want another house because the current one is small and my family is growing.I also want a house which is easier to mantain.I want a house made of timber to replace the mud house that I have.A house with mud walls needs repairs every now and then.This will cost me Ksh 40,000(400 usd).My second plan is buying a dairy cow.I have one cow and when it is not producing milk I am forced to buy milk for consumption.Two cows will ensure a constant supply of milk and more income because this translates to more milk for sale. "

"I live in a small grass thatched house with my four children.This house is too small and I feel that I need to build another house(one bedroom).This will help my children a lot when studying.The environment is good since they will avoid smoke from the kitchen and noise from the younger children.The house will cost me approximately Ksh 25,000(250 usd).I will also buy a dairy cow(250 usd).I depend on my elder brother to give me milk for consumption.I want to be independent as soon as I get the money from GiveDirectly.A cow is a longterm investment too since by selling the offsprings I will be able to pay school fees in the near future."

"The reality of life strikes me after the demise of my husband ten years ago. I was forced to carry the burden of raising my family. Charcoal burning activity is what I have known in my life, Considering the nature of this job as being tiresome and laborious I am still forced to do it despite my deteriorating health condition associated with elderly. I am happy to here about the transfer I am about to receive."

"Lack of capital to start my tailoring business has been my challenge in life. These have pushed me to be a total dependant on my husband who is a part-time primary school teacher. This job is inconsistent and it pays him very minimal, my intention is to support him but this can not happen due to lack of capital something that disturbs me much."

"Livestock keeping is a huge income earner to most families in my community. Now that I am a beneficiary of GiveDirectly cash transfer program, addition of one prolific dairy cow to my herd is my first priority. A good one will cost me 30,000 KES. Out of these cows my children's nutrition will improve while at the same time an income is generated from sale of surplus milk, which will cater for the school fees of one of my children in a local secondary school. 15,000 KES from the first transfer will be paid to one of my son's college education. "

"I expect the money I received to have improved my life. I will have a dairy cow that will make me a stable source of income. Using the money from my merry go round group, I will look for a mature cow that will immediately begin milk production. I also expect to have a bumper harvest because my maize farm is doing so well at the moment. In the next six months, food and income shall be incoming from this investments that are only possible because of the transfer."

"I do not expect any change but I want to have a good and happy life the way I am today."

"Receiving this money means that I will invest in educating my daughter. Iam finding it hard paying school fees for my daughter after separating with the spouse yet she needs schooling. My daughter may get a job after her education. she will be assisting us, socially and economically."