"I bought my current one-eighth piece of land four years ago. I had saved towards buying a piece of additional land over the last two years from my motorcycle job. This is because I have been working as a motorcycle mechanic for the last 12 years and on a good day I make a profit of KES 1,000 but my efforts were thwarted by a friend who promised to sell me his piece of land but later changed his mind. Recently, when the second GiveDirectly transferred I saw this as a good opportunity to buy the land I had always dreamt of. I, therefore, topped my second transfer with some of my savings and bought a quarter an acre of land at KES 70,000. This will be key in the practice of my dairy farming."

"I would like to buy cattle when I get this money. At the moment I do not even have any form of saving neither do I have a reliable source of income. I mostly burn and sell charcoal for a living while my husband is a motorcycle taxi rider. The job isn't that lucrative, I averagely make about 2000 KES monthly while my husband can make up to around 12000 KES per month. This isn't enough to take care of our five children in one month. But even if we manage to get food throughout, it's hard to create savings from that. When I buy cattle I will be able to keep them as my savings. That's in the sense that I can resell them at any time of need." (Occupation: Motorcycle or bicycle taxi)

(Occupation: Motorcycle or bicycle taxi)

"I used to work as a motorcyclist. So, in the need of owning my own motorcycle, I bought one on a hire purchase agreement. I had already paid more than 70% when the business was not doing well, I failed to pay for a while so the company repossessed the motorcycle. To keep fending for my family, I started repairing bikes. My daily earnings are around KES200. Due to a decrease in my earning rate, I was late on my payments, especially the children's school fees. So, when I received the funds from give directly, I used KES500 to reduce the fee arrears to KES900, spent KES500 on the food budget, and finally, I bought my children a solar panel to help them with their night studies."

(Occupation: Motorcycle or bicycle taxi)

"Generally, GiveDirectly did so well and I am personally so grateful because we got enrolled and benefitted from the program. Through it, I was able to get a house and I am no longer worried about going to sleep while having eaten nothing like before. I see nothing that it didn't not do right or well." (Occupation: Motorcycle or bicycle taxi)

"My new goal is to build a business premise for setting up a posho mill business. I had bought the posho mill before but I had not fully paid for it. So when I got the transfer from GiveDirectly, I decided to settle the balance. I want to start the posho mill business because there is no business as such in my village. The people hence usually go to a very far place to mill their maize. Starting the business will mean that the people in my village will no longer go to a far place to access the service and I on the other end will get income to help me in payment of school fees for my five children." (Occupation: Motorcycle or bicycle taxi)

"For the longest, I have been buying a litre of milk per day for my family at KES 70, this means out of the KES 300 commission that I earn daily as a motorcycle taxi rider, I have very little or nothing to save after buying food and providing other necessities. My wish has been to buy a dairy cow so that I can get enough milk both for family consumption and for sale but financial inability was the biggest challenge that I have been facing. My goal was to buy a dairy cow and I achieved it by spending KES 23000 to buy a cow. I save the balance and I'm planning to add so more so that I can buy a motorbike."

"Diversifying my sources of income has been my dream for long. This is because relying on my husband's motorcycle repair business has not been sustainable given that the number of technicians keeps on increasing day by day. I am planning to use KES 40,000 to start a petrol selling business in the neighbouring trading center. There has been an increased demand of petrol given that the number of motorcycle riders is high. The profits I will be making from the sell of petrol added with the amount my husband earns from his garage will be able to sustain my family through buying of food, paying my children's school fees and sort out any financial emergency that might come up. I will use the balance from the GiveDirectly transfers to construct a two-bedroom house for my children."

"Lack of capital is the biggest challenge am currently facing. Constructing a kitchen has been a challenge to me due to inadequate funds.I work as a small- scale farmer planting vines and vegetables for consumption.My husband is a motorcycle rider and he earns KES 200 a day.This amount is insufficient to pay for household needs as well as put up a new structure.Cooking in my household is done in the open space where rains and excess heat affects us .This embarrasses me alot"