"As a motorcycle operator, my day starts early in the morning by going to the nearby centre to look for customers. Since many people have ventured into motorcycle business, I had to operate it until late in the evening in order to raise enough cash to sustain the family. I feel rejuvenated in the evening after coming home with food for my family."

"I had been operating a charcoal business using donkeys before GiveDiretly came to our village. I loved the business even though it was tiring moving for long-distance looking for customers since it had helped me see my family through. The business was a source of income to me and despite the challenges, my desire has been to maintain or improve this business. When I received my second transfer, I spent the entire transfer to buy a motorcycle. This to me is an investment that has greatly changed my daily life. Even though I changed the nature of my business, I feel I have got something better since this is more relaxed no long walk for longer distances to earn a living. I currently enjoy a higher daily income that has given me a chance to join saving plans through merry go rounds to cater more money for more investments and to meet my daily household with ease."

"My life is currently different in that the transfer has majorly enabled me to buy goats and cows. I did not have these livestock before GiveDirectly came. I know these are assets to me and I can readily lean on them in case of a financial need." (Occupation: Small business)

"I was operating a business but it was not doing well. Thus the transfer has enabled me to buy more stock and increased my earnings. I also paid for my motorcycle since I had acquired it on loan. I am getting an income through this motorcycle. I wouldn't have achieved this at my own cost."

"The biggest difference in my daily life that has occurred over the last four months is the newly built kitchen that I was able to put up. I took part in a merry go round that saw me build this kitchen and improve our home as a whole. I have also been able to improve my poultry keeping business over this time and right now I have up to 50 chicken that has transformed my life a lot. I am looking forward to making more investments with the transfers that will see my life transform as well."

"I spent my second transfer on connecting my home to piped water. I used to fetch water from a point more than a kilometer away from my home. Using a wheelbarrow to carry 60 liters of water per trip was so tiring yet the water was not enough for a single day. On receiving the transfer I bought a huge water tank that stores about 3000 liters of water. This tank saves water that I use in case there is water rationing from the source. I plan to start an irrigated garden and turn this fortune into meaningful farming business."

"My life is currently different after managing to own a dairy cow with the help of the transfer. I have been selling surplus milk and using the remaining liters for household consumption which has enabled us to cut the cost of buying milk. I am also proud to have managed to offset school fees balance for my child with ease." (Occupation: Small business)

"Having have invested in the agricultural activities had brought about the biggest difference in my daily life. This is because initially I used to practice commercial farming and I used to plant some watermelons and vegetables. This is what I had been depending on and I used to supply them in the nearest towns in bulky for years. But then there was a time I had an emergency and I had to utilize all the profits and the capital, this made the business to collapse because I did not have enough money to buy the fertilizers, seeds and some other facilities. Having have received the first transfer I gave it a priority because I had enough experience. I a now glad because I believe I have prepared everything and in the next few months, all struggles shall come to an end. I will no longer have to worry about my family's daily needs, school fees and many more. This is because I already have the customers and I am assured once the watermelons are ready, I will not have to strains about looking for customers."

"I spent part of my first transfer on paying school fees for my children who are both in secondary schools. Previously, they used to be sent home to collect fees and since and I am a single parent and I had no permanent job sometimes I could not raise the fees. This led them to stay home for some days as I struggle to get the fees. I bought some building materials such as building poles and some pieces of iron sheets to renovate my house which was almost falling because of the weak walls. In addition to that, I bought a piece of equipment specifically for the preservation of fish. Initially, I used to run the business but then I used to borrow the equipment or hire from friends which were expensive. The remaining amount of money I am using them in buying some foodstuffs and clothes for both my children and I." (Occupation: Small business)

"I spent my second transfer on buying a heifer as an investment. I did not have a better way of investing at that time and the money too was not very much to start a good business hence I decided to invest in livestock. I also school fees for my children in primary school. This really helped because from then, I rarely get the frequent letters I used to get from their teachers about sending my children home for arrears. I feel I bought myself more time to raise money when the children are in school. The rest I used on buying household items such as food which had to reduce in stock and also some bedding which I felt needed upgrade. The ones we have are more than three years old and I felt it was time to get new ones."