"In the coming years, I hope to expand my farming business. When I get my third transfer, I will use the money to buy cows. This will help my family by providing us with milk, which will save us money from buying it, and I can also sell the milk to generate income. With the money from the cows, I plan to buy food and other essentials for my family. I believe this investment will improve our lives and make us more self-sufficient. I am hopeful that with these steps, my family will be happier and more secure in the future."

"When I get my third transfer, I plan to purchase cows so that I can get milk for my family and stop buying milk from the shop, which is very expensive. I believe having my own cows will help reduce costs and improve my family’s nutrition. Additionally, I will combine the income from my business with the transfer to invest in more livestock. This will not only provide a steady source of milk but also give me an opportunity to increase my income through selling the livestock. My goal is to become more self-sufficient and reduce my reliance on external sources. I am hopeful that with hard work and the right investments, I will be able to improve my family’s quality of life in the coming years."

"GiveDirectly has been very supportive, and I am grateful for their help. My plan is that when I receive my third transfer, I will invest in a poultry rearing business. I will use the money to buy chickens and start selling eggs and chickens to improve my life. This business will provide a steady income and help me pay for my children’s school fees, which is very important to me. I appreciate how GiveDirectly has helped me so far, as it has given me the chance to plan for my future. However, I would appreciate even more guidance on managing a business to ensure I make the most out of this opportunity."

"My primary goal is to use the income from my farm harvest to establish a chicken-rearing business because I believe it has less competition compared to running a shop at home. This venture feels more practical and sustainable, offering a reliable source of income to support my family. The earnings from the chicken business will be used to pay for my children’s school fees, which is my top priority. I am confident in this plan, as it aligns well with my skills and the resources I have available. I believe this approach will not only provide financial stability but also improve the overall quality of life for my family. With optimism, I see this as a clear pathway to creating a better and more secure future for us all."

"Insufficient funds and cash to run our daily expenses are making our lives harder. I am a housewife, and my husband is a water vendor in the village, earning an approximate wage of KES 200 a day. Because we are living in a hard economic time, that cash is hardly enough to run a family of 4. Moreover, getting customers has become hard, unlike before, because many people have ventured into the same business, and thus, the market is flooded. To realize our dream, we intend to repair our motorcycle to use in vending water and increase our income. Give Directly's cash will catapult our dream and I am glad to be among the beneficiaries of the same."

"In the coming year and beyond, I plan to focus on building a better house for my family. I also want to boost my wife’s business, as it plays a crucial role in providing food for our family while I focus on other responsibilities. My current house is made of mud, and the walls have become weak over time. It is risky to stay there, as we fear it could collapse during a heavy downpour or strong winds. Unfortunately, we do not have an alternative at the moment, so we continue to live there. To achieve this goal, I plan to use part of my daily income from my motorbike taxi business, combined with my GiveDirectly income, to buy building materials. This time, I want to build a solid house with stone walls, as stones are easily accessible in our area. Once the house is complete, I will focus on expanding my wife’s business by adding more items and increasing the quantity of existing goods, ensuring she has enough stock to attract more customers."

"Lack of money is the biggest challenge I am currently facing.For the past 4 years I have been working as a fisherman in lake Baringo,with my family of 3 the income I earn from this work is insufficient to pay for my daughter school fees as well as buy adequate household requirements.Although I have several business ideas it has been difficult for me to put them into practice because of limited finances . Operating on a hand to mouth basis is so discouraging and unpromising,most especially now when my family is growing and I have to shoulder the responsibility of taking care of my 4 siblings, my single mother and my disabled grandmother.I barely have savings from my monthly income of KES 15000, this stresses me a lot because time is moving ,I am getting old and I foresee a dull future for my family."

"I have a plan to start a small business shop at home when I receive my third transfer, as I believe it will help me generate profit. This business will allow me to expand my activities and create a steady income that I can use to support my farming efforts. With the extra income, I will be able to buy seeds, tools, and other essentials to improve my farm. I also plan to reinvest some of the profits into the business to help it grow. This shop will be a source of financial stability for my family, and it will enable me to plan better for the future. I am confident that this plan will help me achieve long-term success."

"My son is growing up, and soon he will need his own space to live in, as it is no longer appropriate for him to sleep in the same house with me. I therefore have been buying building materials, but I still have more to purchase. I plan to continue using a portion of my transfers, along with the savings from the groups I am in, and take small loans to keep buying the materials I need. My goal is to eventually build him a house, and once this is achieved, I will feel an immense sense of happiness and relief. In addition to this, I am committed to continuing to support my children's education. I plan to use part of my transfers to pay for their school fees, ensuring that they can continue learning and working towards their future. Education is a priority for me, and I want to give my children the best opportunities I can. Once I finish building the house and hand it over to my son, I intend to focus on expanding my livestock. I plan to use some of my transfers to buy more goats, adding to the ones I already have. I am hopeful that they will multiply, increasing in number and value, so that I will have a reliable source of income in the future, especially once this program comes to an end. I am deeply grateful for the support I have received. It has been a lifeline for me, enabling me to work toward these important goals for my family’s future. With this assistance, I feel empowered to make lasting improvements in our lives, and I am filled with hope for what is to come." (Occupation: Small business)

"I run a business where I have a video show studio in which people come and watch games and other shows. The transfers from GiveDirectly have been very essential in this business as I have been using them to pay for TV Subscriptions. My plan is to continue using the transfers to support my business ensuring it thrives. I have been saving the profits from this business with the goal of starting my own Mobile Money Agent shop, where I will provide Mpesa services to the community. Currently, there are only two Mpesa shops in the area, and many people who receive transfers from GiveDirectly have to travel long distances to withdraw their funds. By opening an Mpesa shop, I aim to make it easier for people to access their transfers, significantly reducing the burden of travel. I want to have this business up and running by January of next year, and I am determined to make this dream a reality. I am hopeful that with hard work and perseverance, I will achieve this goal. I am incredibly grateful to GiveDirectly for providing me with the support and hope for a better future. This new business will not only help serve the community but also open doors for other ventures in the future, enabling me to lift up my family and create more opportunities for us. I am filled with hope and excitement, knowing that this is just the beginning of a brighter future."