"In the upcoming year, my main goal is to revive the grocery store that my wife used to run. I want her to have a meaningful source of income, especially during these tough times. With the little money I earn from my motorbike riding job, I have been saving gradually, and I am determined to restock the grocery store soon. It hasn't been easy, but I believe that once the store is back up and running, it will bring in much-needed income. My wife will be able to manage it while I continue working, and together, we can improve our family's financial situation. Looking ahead, I hope the grocery business will grow, providing us with stability and a brighter future." (Occupation: Motorcycle or bicycle taxi)

"In the upcoming year, my main goal is to complete college, which I have been working hard to achieve. This is the foundation for my future. Once I have my diploma in hand, I plan to seek employment in my field of study. Getting a job will be my first step toward financial independence, allowing me to support myself and start giving back to my family. After that, I will evaluate my options and decide what’s next for me. Whether it’s furthering my education, advancing in my career, or exploring new opportunities, I know that finishing college will open doors to a brighter future." (Occupation: Motorcycle or bicycle taxi)

"As I look ahead to the coming year and beyond, I aim to expand my livestock venture. I plan to continue using my transfers to purchase more goats, with the hope that they will multiply and increase in both number and value. Eventually, I intend to trade some of these goats for cows. My aspiration is that these cows will also grow and increase in value, providing me with the financial means to support my children's education as they transition to higher levels of schooling. I am genuinely excited and grateful for the opportunity that GiveDirectly has provided. I believe that once this program concludes, I will have established a sustainable source of income that will enable me to care for my family and secure our future." (Occupation: Motorcycle or bicycle taxi)

"In the coming year and beyond, my main objective is to use my income and any additional funds to work towards the construction of our dream house. My spouse works as a motorcycle taxi driver and is diligently providing for our family's basic needs, especially while I am unable to work due to my health. To supplement our income, we've decided that I will invest a portion of my earnings into poultry farming by purchasing chickens and turkeys for domestic breeding. Our plan is for them to multiply, and when the time comes to build our house, we will sell some to contribute to our goal. Our current house is in poor condition, with a grass roof that leaks significantly during the rainy season. Therefore, I am keen to replace it with iron sheets to permanently resolve this issue."

"I currently work as a motorcycle driver and my main goal is to own my own motorcycle. Right now, I'm using a motorcycle owned by someone else and paying them $4 each time I use it. This leaves me with very little money for myself, let alone for my family. Due to the increasing living standards and a lack of customers, it's becoming a challenge because I have to pay the motorcycle owner daily, making it a very stressful job. However, thanks to GiveDirectly for coming to our rescue. Previously, my children would sleep without eating, but now, with financial support from GiveDirectly, that doesn't happen anymore. I'm hopeful that once I buy my own motorcycle, I'll be able to provide my family with the life they deserve. I plan to save from my income and transfers, and I'm confident that I will buy the motorcycle, ultimately transforming my life and that of my family."

"I was finally able to access a loan of $300 and purchased a motorcycle that I am now using to support my family through ferrying people. Right now, my immediate plan is to gradually clear the debt using a portion of the transfers I will be receiving from GiveDirectly and money i will be making from my hustles. Once I'm done with the loan, I intend to take another loan to buy a sewing machine for my wife, who is now in college doing tailoring, so that she too can start her own business once she is through with her college. Upon the stability of her business and she is able to help me support our family, I too intend to take a different direction with my life. I studied mechanical engineering and I plan to join a garage to sharpen my skills. In the near future, I aim to use my skills to get employment, earn a living, and support my family. With my wife's income and my income, we will both be able to provide a better life for our family. This plan gives me hope and motivation every day, knowing that our combined efforts will lead to a more stable and prosperous future for our family. My determination is unwavering because I know the positive impact this will have on our lives."

"This year has been particularly challenging for me. My health has seriously deteriorated in the last three months, leading to frequent hospital visits. Currently, I am unable to do anything for myself and fully depend on my son, who is a motorcycle taxi driver, for financial support. Last month, I was admitted to the hospital for a week, and I had to use the money from the transfers to partly cover the medical bill. I paid $68, and my son had to top up the additional amount to clear the bill. The financial burden on my son is significant, but thanks to the transfers, I can help ease some of that pressure. Along with paying for my medical expenses, I spent $34 on food for myself, purchasing milk, fruits, and vegetables to help boost my immunity. I am deeply grateful for the financial support, which is crucial in helping me seek medical attention and manage my health."

"I have always had a strong desire for a brand-new, motorcycle. To achieve this dream, I have devised a clear plan. I am dedicated to saving diligently from my business profits and the transfers I receive from GiveDirectly through our savings group. I plan to obtain a future loan to assist with this goal. When I have saved enough, I will sell my current motorcycle and use a loan from my savings group to add to the proceeds from the sale. This will allow me to finally purchase the motorcycle I've always wanted. The prospect of owning this new bike is extremely motivating. However, this is just the beginning of my plans. After repaying the loan and acquiring the new motorcycle, my next major goal will be to build a larger, more comfortable home." (Occupation: Motorcycle or bicycle taxi)

"In the upcoming year, I intend to invest in goats. Currently, I have ten chickens, and while they generate some income, I believe owning goats will be a more lucrative and sustainable investment for my family's future. I plan to start by selling a few chickens and saving to purchase my first goat. Once I acquire the goat, I will continue to care for my chickens while gradually growing my goat herd. As the goats multiply over time, I aim to build a valuable resource that will provide us with income, ultimately securing a better life for me and my family." (Occupation: Motorcycle or bicycle taxi)

"I have always had the desire of living in a decent house. In 2018, I was displaced by floods and this forced me to seek refuge at relatives place but later bought a piece of land. I have not completed paying for it because I depend on casual jobs and motorcycle business to earn a living. I plan on using the transfers to pay that debt and cement my two roomed house. The rest of the transfers I shall use to pay school fees and purchase goats to add to the few that I have. I am excited because I will be able to execute my plans without much strain."