"Completing and furnishing the house is what I spent most of my transfer on. This is because, I am a widow and without children, so I known there is no one whom I can depend or count on to build me the house I desire. Therefore, when I got this money, I made sure I use the largest part to complete and furnish the house. This makes me so happy and settled. However, I kept aside the remaining part of the transfer to get a storage tank to keep water because there is no one to fetch me water and still hiring the services of a motorcycle taxi is very expensive, getting this tank will be a sustainable longterm solution to that."

"Receiving this money means self employment for husband. My husband has been unemployed for the last 1 year. He was working as a motorcycle taxi man. The motorcycle was not his, he became jobless when the owner took it back. This was a setback for us. Together with my two children, we were greatly depending on him. I am planning to use 50,000 KES to buy a second hand motorcycle for my husband. This motorcycle will be earning us atleast 3,00 KES per day. This amount of money will be enough to cater for our family needs ( food, medical bills, school fees). We shall also be saving the extra income for future use."

"Within the last six months, we were able to generate money from our local village saving club and got one motorcycle." (Occupation: Motorcycle or bicycle taxi)

"The challenge I'm faced with now is establishing something for myself. I am doing business for other people, generating more founding for them but I'm earning less. This keeps pressuring me to establish my own business but my major challenge is with get adequate finance." (Occupation: Motorcycle or bicycle taxi)

"I was able to think of my long-term goal of being financially independent. This was by owning my own business, especially in the taxi business. I would get to earn money from being a motorcycle rider. I was able to buy the motorcycle thanks to Give directly. I was also able to finally lay my wife's bride price which I had not been able to clear due to not having enough income. I was able to buy a bed and the beddings required."

"Receiving this money means I can buy a motorcycle to run a taxi business. Depending on house construction jobs as a labourer is an insufficient income source because these jobs are now rare to find, given that the pandemic has had a toll on the economy. The good thing with motorcycle taxis is that there is always a need for transport. I am happy that I will spend about KES 100,000 to buy the bike and start earning an average of KES 300 per day. This will guarantee that I can meet my family's basic needs."

"I am a young person with a very young family and we are still establishing ourselves. This means that we are so privileged to be enrolled in this program and it has come at the right time for us when we have enough energy to work hard. These transfers will have a lifetime positive effect on our assets as a family and the education of my children. I have been working as a motorcycle rider since I established this family and we usually get what's mostly enough to sustain our food and clothing needs only. This usually worries me about the future that we might not be able to take our children to school or even provide for them adequately. We would therefore like to invest in livestock because that's what can withstand the drought conditions that we sometimes experience here. We can no longer invest in crop cultivation because of unpredictable weather patterns. We shall use all the transfers to purchase 5 cows and in a few years they will have multiplied increasing our assets at the same time we shall be benefiting from selling milk. I am now confident that my family's needs will be met going into the future." (Occupation: Motorcycle or bicycle taxi)

"Depending solely on charcoal business has made it difficult to get enough income to satisfy the family's needs. This is because it is unreliable in the sense that we get little from the business and this is after very hard work. My husband transports charcoal to town, over 100 kilometers away using a motorcycle only to get KES 2,000 in a week. He comes home after two or three days hovering around town looking for customers."

"We have a very small piece of land to cultivate and the little proceeds I get is hardly enough to sustain my family for a long period of time. As a result, we are forced to start buying food stuffs as early as the third month of the year onwards. With no reliable source of livelihood, getting the money to cater for the basic needs of my family for the remaining 7 months is always difficult." (Occupation: Motorcycle or bicycle taxi)

"Sometimes in June, we purchased a motorcycle on loan. We paid weekly. There has been a paradigm shift in terms of the income we get since we acquired it. We make up to KES 700 in a day and we are able to buy food and at the same time repay the loan. It boosted a lot our source of household disposable income." (Occupation: Motorcycle or bicycle taxi)