"I am a motorcycle rider and I run this business using someone's else's motorcycle. I am expected to give $4 daily to the owner and this means that on days that I do not get business I am forced to go on a negative balance to make this payment. I had hoped GD could give me the money in bulk but now understanding the payment patterns my hope is to get a lona from one of the local groups and then use GD transfers to pay it back. I want to be able to maximize on my savings so I can take my siblings through school."

"I have mentioned that I was able to Join a savings group and I am saving money in the saving group as well as on my own. I learnt how to sow clothes but I do not have a machine of my own to turn this skill into a business so I am saving so I can buy a machine. My husband is also employed as a motorcycle rider which sometimes is a hard task since he does not always get business which ends up eating into his pocket as he needs to pay his employer. So we are saving so we can afford to buy a motorcycle of our own so he can be self employed which will ease our financial state."

"I received this transfers at a time of a big need for me. My husband was our breadwinner and his work was mainly motorcycle work, he got into an accident which fractured his arm and he has been out of work for some while now. I make charcoal from tree stumps but it does not pay much. I welcomed the new year in style courtesy of the Givedirectly transfers. I spent my December transfers went into buying food for the new year such as maize flour, wheat flour, beans, oil, sugar and tea leaves. My January transfers came in when my child was going back to school, she had passed her class eight exams and was joining form one since she joined a boarding school, this money facilitated her trip to school located in Mombasa town. She was also able to buy books and uniform. My February transfers were all directed to buying goats. I sold of some of the chicken I had and left three and added to the 3 dollars from my transfers and used it for buying two goats."

"In the next one year and beyond, I would want to have a better life. I have always been struggling with commuting to my school of study due to the lack of money to cater for my daily transportation cost. I would want to own a motorcycle to ease my transport to and from the school and with the transfers that I have been receiving, I have been saving some portion to help me acquire the motorbike."

"I am a skilled tailor who has been working within the village to serve many people around. This came to halt when my machine developed some mechanical problems. I am no longer involved in this work something that has resulted in depending majorly on my husband's motorbike-taxi work. Since his income is low, usually $5 per day, all this goes to food due to the rising cost of commodities. This situation has robbed away my joy since I am worried about our future. Therefore, I consider the lack of a stable source of income to be my biggest challenge." (Occupation: Motorcycle or bicycle taxi)

"When we got our transfer, one of our top priorities was to buy a dairy cow. This is because we had sold our only cow to pay off a loan that had been pending for a long time. It was difficult for us because we needed to buy milk on a daily basis but our sources of income were unstable. My husband is a motorcycle taxi driver, and I sell vegetables. Together we have five children. Therefore, we used $400 on a cow, and then later we used the remaining amount on buying foodstuffs and clothes. So far my life has been impacted in a short period of time and thus, I am forever grateful for the support."

"I am relieved that my son's difficult struggle is over now that I assisted him in purchasing a motorcycle for use in his new taxi business. Seeing him return home with food and money has made the biggest difference in my daily life. I am encouraging him to begin saving, which will be useful for his future projects."

"I have been saving part of the monthly transfers in order to buy a second-hand motorcycle that I was offered. A friend who is employed by a neighbor to provide taxi services has been giving me the motorcycle to use, though not daily. I do not have any job currently, and were it not for his help, it would have been hard for me to provide for my family. My goal currently is to ensure that I save enough, top up my savings with a small loan, and buy a second-hand motorcycle. Having my own motorcycle will be advantageous to me because I will not be paying hiring expenses to anyone."

"I am planning to hire a tractor to assist in farming my piece of land of 10 acres, which is about kshs 50,000. I do subsistence farming for a living and when it is done by casual workers it is time-consuming and very expensive. I am expecting to have a good life, with the good rains I will harvest about 25 bags of maize and beans, of which I will use part of it for consumption while the rest will be for sale. I will therefore open a savings account for my children's school fees. This will help in paying school fees in advance and I am expecting them to have good grades which will be a factor when choosing the best courses to undertake in college education. I am having an additional goal of buying a brand-new motorcycle on loan. It costs kshs 400,000. This is meant for business purposes, especially during online deliveries."

"In the coming year and beyond, I will be concentrating on payment of school fees for my children. I have three in secondary school which means I need to put in a lot of effort in order to pay their school fees in time. I do not want a situation that will see my children being sent home for school fees as my desire has always been to see them get the best in terms of education. I look forward to accumulating enough money from the motorcycle work that I do as well as subsistence farming as well." (Occupation: Motorcycle or bicycle taxi)