GDLive Newsfeed
We check in with people at each stage of the cash transfer process to see how things are going. Take a look at some of their stories as they appear here in real-time. Learn more about how recipients opt in to share their stories.
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Enrollment
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Completed
Newsfeed > Monica's Profile
Monica's family
Monica
landscapeCountry:
kenya
workOccupation:
Small business
faceAge:
42
workCampaign
Kenya Large Transfer
Upcoming Stage
Next Payment
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Follow to be updated on Monica's next check-in.
 
2nd Payment
Transfer Amount
45000 KES ($348 USD)
access_time 26 days ago
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How is your life different than it would have been if you never received the transfer?
I have no option other than to relocate because where I live is prone to flooding. My plan is to buy a piece of land away from the floods so that I can have a safe place to live and work. Once I have my new land, I will open a business there to support myself and my family. This change will allow me to continue with my life without the constant worry of losing everything to water. I believe that having a stable location will help me focus on building a better future. In the coming years, I want to create a secure environment for my children and ensure they have the opportunities they deserve.
In your opinion, what does GiveDirectly do well, and what does it not do well?
I appreciate how GiveDirectly asked me questions and visited us at home. In the past, I felt discriminated against in the village and wasn’t even given relief food. However, I was surprised when I received this cash transfer, as it showed that you do not discriminate and enrolled everyone in the village. I felt included and valued for the first time. I have not seen anything bad or negative about GiveDirectly. Your support has truly made a difference in my life and the lives of others in the community.
What did you spend your most recent transfer(s) on?
Starting fresh after losing everything to the floods has been a challenge, but I am determined to create a better life for my children. I used $50 of my unconditional cash transfer to pay school fees for my children, as their education is my top priority. Previously, I relied on my business of selling food and other goods to support us, but the floods destroyed my shop and wiped out my stock. Despite this setback, I borrowed money to restock my shop and get back on my feet. However, the competition has increased, and my daily income has dropped from $15 to $8, as more people have opened businesses after receiving their own cash transfers.Being a single mother is tough, especially when my children depend solely on me for their needs. The pressure of paying school fees was overwhelming, but now I feel more hopeful. Although I faced struggles and moments of depression, I am gradually finding my way. My children’s happiness motivates me to keep pushing forward, and I am committed to providing them with the education they deserve.Furthermore, I have managed to save $400, which I plan to use for school fees when they return in January. This financial cushion gives me peace of mind and shows that my hard work is paying off. I am determined to ensure that my children have a brighter future, and I believe that with continued effort and support, we will overcome these challenges together.
 
Initial Payment
Transfer Amount
20000 KES ($155 USD)
access_time 3 months ago
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Describe the moment when you received your money. How did you feel?
I went to visit my son, who recently started high school. As we were catching up, I heard a message notification on my phone. Being a businesswoman, I immediately checked, thinking it might be important. To my surprise, I saw that I had received my first transfer from GiveDirectly. Overjoyed, I couldn't contain my excitement. My son noticed and asked why I was so happy, so I showed him the message. Having never received any support before, I wasn't sure if this would actually happen. But when I saw the confirmation, I felt incredibly grateful and thanked God.
Describe the biggest difference in your daily life since you started receiving payments from GiveDirectly.
As a single mom of four children, with three in high school, I used to rely on my shop, posho mill, and poultry farming to meet all our needs. But after the floods, I lost my poultry, and now I only have the posho mill and shop, neither of which is doing well. The fees for my three children in boarding school total about $600 per term, and this has been a constant source of stress for me. It’s not easy, but as a mother, my children's education is my top priority, and I will always work hard to ensure they get the best education possible. When I received my transfer from GiveDirectly, it felt like a blessing that lifted a huge weight off my shoulders. For the first time, I was able to reduce my arrears without the overwhelming stress of figuring out how to pay the fees. Now, I feel much more at ease, knowing that I can use my next transfer to cover the fees for the coming term.
What did you spend your most recent transfer(s) on?
I have three children in high school and had total arrears of about $300 for them, with balances of $110, $130, and $70, respectively. My plan was to save from my business and gradually reduce their fees, as I had been doing before. Unfortunately, my business has been struggling lately, especially after the floods struck our community. Many people in the area, whose main source of income was farming, suffered huge losses, and since they are my target customers, I was badly affected as well. I had just restocked my shop before the floods, but sadly, I lost a bag of rice, 10 kg of cooking oil, four cartons of milk, and six bags of maize from my posho mill. I also lost over 50 chickens. These losses were a huge setback for me, as they were my primary sources of income to support my kids, particularly in paying their school fees. Being a single mom, this hit me hard. However, I was fortunate that the GiveDirectly cash came at the right time. I spent the entire $200 to reduce their fees, paying $70, $60, and $70, respectively. Now I have a balance of $100 and I’m planning to start reducing it next week.
 
Enrolled
access_time 5 months ago
 
What do you plan to do with the cash transfer?
As a businesswoman relying on my retail shop to support my family of five, I face challenges, especially when sales are low and stock is limited. The profitability of my business is directly tied to the availability of stock on my shelves—if there is no stock, profits suffer. On a good month, I manage to earn $300, which I carefully allocate to restocking inventory and paying school fees for my children. Due to financial constraints, I am afraid I can only afford to restock in small quantities, which sometimes means I cannot meet the community's demand adequately. However, with the anticipated financial boost through transfers, and I plan to invest $500 in restocking my business. This infusion of stock is expected to increase profitability as it allows me to better serve my customers' needs.The remaining funds from the transfers will go towards paying my children's school fees. While it may not cover all expenses, it will provide some relief and ensure they can continue their education without interruption.Managing both the business and family finances can be overwhelming, but these transfers will provide an opportunity to strengthen my business and support my children's education.
What is the happiest part of your day?
As a businesswoman, my livelihood depends heavily on the profits from my retail shop, which supports not only my business operations but also provides for my family of five. I find great joy when the profits are high, particularly during the harvest season when the community has extra income to spend. This period is crucial for us because it helps cover our basic needs and allows us to manage our expenses more comfortably.One of the highlights for me is in January when the community receives payments from Kenya Seed. This influx of money boosts our sales significantly as people have more disposable income to spend in the shop. It is a time when I feel fortunate to benefit from the community's prosperity, as it directly impacts our ability to meet our financial obligations and provide for our family's needs.
What is the biggest hardship you've faced in your life?
Managing school fees for my four children is really tough for me right now. I run a small retail shop in the village, and on a good month, I earn up to $300 in profits. All of that money goes towards their school fees, but it is still not enough. Sometimes, when I cannot make ends meet, my children are sent home from school until I can pay. It breaks my heart to see them missing out on their education while their friends continue learning.When things get really tough, I have to borrow money from friends, but it is never enough to cover everything I need. I am constantly worried about how I will manage to keep them in school without falling behind on other expenses. I have been trying to budget more carefully and explore any support options available locally, but it is still a daily struggle.