"My goal is to build a seperate house for my 3 kids, since we are staying in one house and they are growing older, most weekends when my spouse comes from work in Mombasa, because of privacy, am forced to ask them to sleep at our in-laws and I find it very annoying. I plan to use part of the first transfer which is around 30,000 KSH which is inclusive of labour and building materials. The rest of the transfer I plan to pay school fees arreas for the 3 children which amounts to 15,000 KSH. I also plan to use 5000 KSH to do food shopping for the family that will last us for few months." (Occupation: Motorcycle or bicycle taxi)

"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)

"The goal I had all along was to complete the house that I had started building with the first transfer but hadn't completed. This is because I didn't have a good house and all I desired was to have a better and proper house since the one I've been living in is more of a makeshift one that barely shields us. Therefore, getting this house makes me so happy as it something that I have desired for so long." (Occupation: Motorcycle or bicycle taxi)

"I spent most of the transfer money on two important things. I took out KES 30000 and I used it in settling the balance that I still owed the shop that I bought the posho mill from. I then took out another KES 10000 that I used in buying chickens. With the remaining amount of money, I used it in buying food for the consumption of my family of seven. I want to start the posho mill business because there is none in my village and also because it is going to help me earn more income. I use to rear chickens but I had not constructed a house for them to stay. So, when I got the first transfer, I decided to construct one. The chickens are of great benefit to us since with the sale of eggs, we get money for buying small household items such as soap, sugar, etc, and paying school fees for the children. We also decided to buy some food with some of the money because in our area we usually experience a dry season and hence maize does not usually do well. We are so much grateful to GiveDirectly for the help because there is a very big change, our living standards have improved for the better." (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."