I am planning to venture into farming in the next four months. This is because with the transfers received I am able to purchase hybrid seeds and fertilizer which will guarantee me a bumper harvest. With the harvest, I can sale and use the finances for household use.

The biggest difference is that I have been able to pay back a loan that I had borrowed to build a kitchen with the transfers I received from Give directly. This kitchen acts as a bedroom for my children at night since our house is not big enough to accommodate all of us. This has seen my children enjoy freedom and privacy which they had longed for.

In the next six months, I expect to have started farming and I will have boosted my restaurant business which has been my cash cow for the longest time now. All businesses fail but it has stood the test of time. I will no longer suffer from the lack of money as I used to before the transfers that I was constantly in debt.

It used to live a hand to mouth type of life which was difficult because I couldn't cater to other necessities due to lack of a sustainable income. Currently, my life has improved as compared to how it was four months ago. I was able to boost my hotel business which has really boosted me financially. Through this business, I have been able to meet most of my family's needs without straining or borrowing from friends.

My new goal for the next four months is to settle a loan that I had taken to build a kitchen with and as per now I am half done. I intend to take a bigger loan early next year that I will use on cementing my mud house into a semi-permanent one.

When I started receiving the transfers from GiveDirectly.I joined a group of 10 members who are GiveDirectly's beneficiaries where we contribute to each other in turns in the form of table banking and borrow as well. I have made many differences but the greatest one in my daily life for the last four months is being a member of a vibrant group ready for the development. This has enabled me to build a kitchen where my elderly children can sleep in and cook as well with a lot of comforts.

My expectation for the next six months is to settle a loan that I had taken in a table banking to build my own kitchen because I am almost done. I have a plan to obtain a bigger loan and use it to cement my house into a semi-permanent one. When this project shall have actualized I will no longer incur expenses of smearing my house on a monthly basis.

My life has really improved. Initially, I had a lot of loans and paying them back was becoming hectic and next to impossible. Thanks to GD, I have been able to clear my loans and the ones remaining are manageable.

In the next four months, once I have finished paying Mkulima loan, I am looking forward to expanding my restaurant that is my main source of income.

The biggest difference in my daily life in the last four months preceding the current transfer is that it has helped me service a loan that I borrowed from my merry-go-round group to build a kitchen.

I expect to finish building my kitchen and even plaster both the walls and the floors. Besides that, I am looking forward to boosting my restaurant business to enhance more income.

Because GD transfers allowed me to join a local farming group,I was able to harvest much more than I ever had, meaning that I have food security even during this famine season.

My goal right now is to clear the loan that I have with the Farming Organization so that I can be able to enjoy all the services they offer. This will also give me the freedom to save some of these transfers so that I can boost my business by adding more stock.

As a farmer, I am a member of a farming organization that usually provides us with farm inputs such as fertilizers and seeds on loan that we can pay over a certain period of time. Lately, I don't have to struggle to raise the money to pay the farming organization because the transfers help me in doing that. I am less stressed than I was before of how to raise the money to repay the loan.

After clearing the loan I have with the farming organization, I would like to save some of these transfers to enable me expand my hotel business. I am currently not able to prepare enough food for my customers because of the little stock I usually buy due. This is because everyday,I take some money out of the profitss I make to to take care of loan payments and other household requirements which cannot allow my business to grow.

My life is different because I now have enough food for the family in addition to being able to offset my financial debts in an easy manner.

I am still planning to offset the one acre fund debts so that come next year they will give me more seedlings that I will use for the new planting season and eventually get a bumper harvest at the end of the season.

This money has helped me in offsetting my debts that have been quite difficult to pay off in the past. It has also enabled me to farm appropriately hence being able to get enough food for the family.

I believe my life will change because I will be free from the debts and the family's food stock shall have also increased. Part of the cash will also help in increasing the stock of my small scale business.

My new goal is to save these transfers or to take a loan from my women group so that I can open a boutique next to my hotel. This will be a source of more income for me.

My life currently different in that I am less stressed certain monetary issues because I can comfortably take a loan because I know that at the end of the month,I will receive money from Give Directly to repay. There is more peace in the house because we are all independent and no one has to depend on the other.

In the next six months I expect to have opened my boutique,plastered my house and bought a water tank. All these mean more comfort and more money.

The biggest difference in my daily life since I started receiving payments from Give Directly is that I am able to buy personal items and other household items on my own without having to ask for money from my husband.I love the feeling of being independent.