"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"

"My current challenge is lack of sufficient money to support my family's basic needs. I burn charcoal for a living where I occasionally make 500 KES while my husband on the other hand is involved in the motorcycle business. His income varies depending on the demand and this makes it hard to depend on him fully. Both our sources of survival are not consistent which sometimes makes it hard for us to have three meals per day. As a mother and the planner of our finances, I resorted to having a meal in a day so that we can also leave some for the next day. This is sometimes frustrating and stressful for me to handle." (Occupation: Motorcycle or bicycle taxi)

"The motorcycle which is my main source of income got broke down more than two weeks ago. The broken parts are quite expensive and being that it has been my only source of income, raising enough money to repair it is a challenge. Therefore, I have an additional goal to look for ways of repairing it so that I can get back to work. Currently, I am using someone's motorcycle in order to raise money for repairing the bike."

"My dream has been to start a boutique enterprise but lack of capital has been my biggest challenge. With this money, I see light at the end of the tunnel. I will plan KES 30000 to kick start this business. This will boost my family income and thus we will have a better life. Milk is in high demand in our region. This makes me have the feeling of producing milk for sale and tap more income for my family. I will therefore plan KES 40000 to buy a dairy cow. With the remaining money, I will buy food and clothes for my family member." (Occupation: Motorcycle or bicycle taxi)

"I have a family 8 and they entirely depend on me for food and clothing. I am a motorbike taxi rider who earns KES 400-500 per day and this cannot sufficiently cater for everything that my family needs. I spend approximately KES 600 per day to buy food such as sugar, vegetables, maize flour, and milk. My school-going daughters need to have things like sanitary pads and it makes me feel bad when they miss school because of essential items like those." (Occupation: Motorcycle or bicycle taxi)

"The one bedroom house I am living in with my wife is in pathetic condition and unsafe for anyone to sleep inside. The situation worsens whenever it rains because the roof leaks and the wall are falling off. It has been a hell of an experience residing in it with spouse since I got married one year ago. Receiving this money would mean I build a new spacious 2 bedroom house which will cost 35000 KES. I will also buy a bed and mattress for 12000 KES because currently we do not have one. As a motorcycle rider, my bike is also not in good condition and I solely depend on it so I plan to set aside 10000 KES to acquire a new motorbike on higher purchase which I believe will go along way in providing my family with basic needs such as food." (Occupation: Motorcycle or bicycle taxi)

"The biggest challenge is the lack of basic needs like food for my family. I do locum in the nearby health facility where I work as a substitute nurse. My pay is KES 750 per day whenever I am called upon however it is not guaranteed to get the job daily. My pay is not sufficient to meet all my household needs like food and sometimes we are forced to have a meal twice a day. It saddens me to see my young children miss a meal in a day since they need good nutrition for them to grow." (Occupation: Motorcycle or bicycle taxi)

"Givedirectly does well by giving cash transfers to each household. This gives a chance to everyone to choose what they feel they most need. I do not see what Givedirectly does not do well." (Occupation: Motorcycle or bicycle taxi)

"It has always been our dream to own a retail shop and restaurant in our locality one day so that we can operate it. I am happy that we were able to acquire a motorcycle using our recent transfer and we are planning to be saving part of our daily income and later take a loan and use it to achieve our goal. For the past month that my spouse has been offering taxi business using the motorcycle, he has been earning at least 1000 a day and since we are still young family, I am hopeful that we will achieve our aim very soon."

""I was doing clothes business during the rainy season of last year, but I stopped selling because my daughter had a motorcycle accident and the ridder escaped so I used all of my business money to send her to hospital. So, once I get this transfer I will start a new business"."