"In our list of expenditures, buying a cow was at the top as we needed a stop to the huge spending on buying milk that had been happening in our household for a long time. I spent the first KES35000 on obtaining a 5months in-calf cow that we are looking forward to seeing calf down soon. I hope that my family will soon stop buying milk and enjoy enough supply of milk both for home use and surplus for sale as an income source. I also spent KES 20000 on settling school fees arrears for my children who had been experiencing a lot of disturbances being sent home when we had no money to pay them in time. With the remaining amount, I spent on obtaining at least a pair each for my seven children. I am grateful that all that we had planned to spend the first transfer on came to pass." (Occupation: Motorcycle or bicycle taxi)

"Receiving this money means improved business and increased savings. I do milk vending in the neighboring town called Kaboson. I collect milk around my village and even neighboring villages. I then transport using hired motorcycle where I pay KES 500 per day. This has been expensive to me and sometimes eats into my profit. I collect around 200 liters of milk per day. My profit is KES 10 per liter. This profit also has to cater for transportation. So when I get this transfer I will spend it on purchasing a motorcycle. This will help me reduce the transportation fee. I will spend the entire transfer of KES 110000 to purchase it."

"My money was actually spend on building material and my food for the betterment of my family wellbeing." (Occupation: Motorcycle or bicycle taxi)

"I bought motorcycle for business."

"With my first transfer, I spent Kshs.20,000 as a deposit for purchasing a motorcycle.This was a business goal I had in mind since my son could run it hence making everything easier. I am happy that the motorcycle business has already commenced and picking very well.For the longest time my some had an injury on his leg but I didn't have money to take him to the hospital .With Ksh.10,000 I took him for medication and he is now recupurating well and he has also gone back to school and he is catching up with his school work.I also purchased a heifer worth Ksh.24,000 since I had one but didn't produce enough milk.I am grateful that in a few months it will calf and we will be able to get enough milk for consumption for my seven family members."

"I work in the transport industry as a motorcyclist. Despite the challenges I go though at work, I always push myself and I get to earn around ksh30 daily. Unfortunately, the tyres of my motorcycle got worn out and I can no longer work. To purchase new ones has been a challenge for me. So, I opted to harvest coconut then sell them at the beach. This has enabled me to fend for my family. Even so, it has been a challenge to put food on the table for them. Therefore, when I received the ksh1200, I used it all to purchase a bundle of maize flour."

"When I withdrew the money, I looked at how the drought season was taking shape and I decided to buy a second hand motorcycle for KES 45000.00. This motorbike was for both fetching water and also for small luggage and people feo a fee. Later on, the the remaining amount was for the family upkeep."

"The biggest difference in my daily life now is that, the things I wasn't having, now I have them. Now I'm able to buy my house materials to start improving my house. Many thanks to Givedirectly for their support" (Occupation: Motorcycle or bicycle taxi)

"My parents are aged and unproductive and I am the only person whom they depends on since my other siblings works in a city far away and they do not have reliable jobs. I have been working as a motorcycle rider for a while and my dream has been to buy my own motorcycle because the Ksh 300 that I get as daily commission is not enough to cater for both my needs and those of my parents. I had lost hope because I couldn't afford to raise enough capital on my own nor take loan because I didn't have security to prove. When I was enrolled to the program, I thought of saving my daily commission and Ksh 500 from every monthly transfer to accumulate a reasonable amount and top up with loan so that I can buy a motorcycle. For the two months that I have been receiving the transfers, this has been possible because I usually spend Ksh 2500 to buy enough food to take us through the month. I spend Ksh 2500 of my last months transfer to buy food and saved Ksh 500." (Occupation: Motorcycle or bicycle taxi)

(Occupation: Motorcycle or bicycle taxi)