"The biggest difference in my life is that ,I am now able to save 10,000 shillings daily out off the cold drinks business I do with the fridge I bought. Before the transfer I used to borrow money and had debts which i was failing to pay." (Occupation: Motorcycle or bicycle taxi)

"The moment I received my money, I felt so happy that I immediately sent money to pay my brothers fees given that he is in his senior six and will be completing and joining University. " (Occupation: Motorcycle or bicycle taxi)

"Whereas my wife runs our business of selling beans in market days around home, I am also involved in a motorcycle taxi business. Our days are packed with activities and we often get home around 7:00pm in the evening. This is the happiest part of my day especially catching up with my family on the day's updates about my children's day in school and my wife's in business. "

"My life is currently different from how it was in that, I have time to rest. Before then, I used to sell clothes in the streets during the day and do the motorcycle taxi business at night. I had only two hours to sleep in the name of making money. I thank GiveDirectly very much for the financial support which I used in starting a business for my wife. Today, she helps me run the other business because it is located in one area and I have time to do the motorcycle business now during the day hence having time to rest at night."

"Currently, my life is different from how it was in that I have my own business which I get income every day. I was able to buy a second-hand motorcycle. This has supplemented my income and I am able to take care of my needs and my brother's school fees with ease."

"Going into the future, life may not change so much based on how I will be using my monthly transfers. Like I have mentioned, my primary target is to ensure that I sort out my school fees needs as well as paying my rent at the end of every month. Then finally I just ensure that I get a balanced diet every single day so that I live a healthy lifestyle." (Occupation: Motorcycle or bicycle taxi)

"In the next month, I would break for long holiday. The next transfer which I will be receiving to the end of this programme, I will save and put together with the savings which I currently have and spent in to buy a motorcycle. I would like to add one more motorcycle to one which I currently have so that I would double my income. The projected monthly earnings fro motorcycle business is approximately KES 2600 a month. This amount would enable me to pay my school fees, pay my rent and buy myself some food. The extra I would spend on paying part of my sibling's school fees."

"In the next six months, I expect to have bought a cow since the farms under potatoes plantations then will have earned us some income which we will then add to the savings which we are currently making and buy one productive dairy cow." (Occupation: Motorcycle or bicycle taxi)

"The biggest difference in my daily life is that I can now cater for my family needs with easily on time. Starting my own motorcycle business has increased my daily income and this has enabled me to meet my family daily necessities. I used to operate a motorcycle taxi for my neighbor to help me provide for my family. It was challenging meeting my employer's expectations thus I used to overwork myself and making it worse is the little payment that I got at the end of each day. Having had enough experience in the motorcycle taxi business, I desired so much to buy my own so that I could increase my daily income. This could not happen with the overwhelming family needs that relied on my little daily wages. Currently, I feel that my life has greatly changed ever since I bought a second-hand motorcycle using part of my first transfer. I currently enjoy a lot of freedom since I set my target of the day and enjoy more income a day than before. Even if I make less money in a day, I am always proud of it since it is all mine. I am thankful to GiveDirectly for financial assistance." (Occupation: Motorcycle or bicycle taxi)

"My husband is a skilled motorcyclist with over 10 years experience in riding a motorbike to ferry charcoal to Mombasa from the village. The business is very lucrative in that on a good day he manages to earn close to ksh.1500 if he goes for three trips. The problem is that he does not have his own and as such he is forced to rely on being employed by someone who has to put his skill into use. For a very long time , he has wished to buy his own so that he can be independent and start saving the standard ksh.400 that he has to give to his employer everyday regardless of wether he makes an earning or not. However, this wish has always been derailed by lack of finances to buy his own and also go for the driving test to acquire a legal license permitting him to ride freely without having to evade the police from time to time. With this money he will spend ksh.13,000 to acquire his drivers licence and ksh.60,000 to get a second hand motorbike that he has already identified and certified to be in good working condition. With his own income,I am sure that our households finances will greatly improve thus changing our way of living which is currently very pathetic to be a bit comfortable and free from constant financial worries. " (Occupation: Motorcycle or bicycle taxi)