"I have a grocery stall that I set up using Givediorectly transfers. My husband is a motorcycle rider. We make a decent living though not sufficient to take care of the roof that needed replacement. The house needed ten of the roof replaced and only 4 are replace that means we have 6 more to buy which will need approximately $60 to buy. My plan is to slowly buy this roofing sheets over a period of time and then repairing the roof entirely. I also have plans of starting a chicken business and I hope to use this transfers to also achieve this goal."

"My wife has been jobless and I have been the only one making an income. I used to get motorcycle riding jobs on casual basis but they did not pay much as most of the money I got went into paying the owner and fuelling. I wanted to buy my own motorcycle so as to reduce this expenses. I now own the motorcycle though on loan. I am now in the city running the business to make an income. I hope to be able to pay for the motorcycle fully from the proceeds of working with it while paying my savings group loan using the transfers." (Occupation: Motorcycle or bicycle taxi)

"As I mentioned earlier my husband is a casual worker in the sense that he does jobs when there are some available. He sometimes is a driver, sometimes he is working in a construction site and other times taking motorcycle rides. I would want a more stable income even as our children grow older and so this is my reason for investing my money in the business. I plan to continue investing the business so that we can use the proceeds to take the children through school."

"With a shared vision for a better future, my wife and I embarked on a disciplined savings plan. I committed to setting aside $0.5 daily from my earnings as a bodaboda rider and mechanic, while my wife diligently saved $0.2 daily from her tailoring business. The goal is a two-year savings journey aimed at accumulating enough funds to purchase a piece of land in town. Our collective dream was to build rental houses, a long-term investment that promised future financial stability. The daily sacrifices we made were fueled by the shared belief that these small contributions would pave the way for a brighter and more prosperous tomorrow." (Occupation: Motorcycle or bicycle taxi)

"We plan to cultivate mangoes on our one-acre land in the upcoming years. Mangoes thrive and are relatively unaffected by drought conditions. This strategic move aims to reduce our heavy reliance on casual jobs, my husband's motorcycle riding job and our small flock of chickens and goats to sustain our family of six. This venture promises to reinforce our long-term sustainability significantly. The resilience of mango trees against drought will serve as a shield, buffering us from the uncertainties of weather and job fluctuations. By diversifying our sources of income, we aim to create a more reliable and sustainable future for our family. Where we can achieve greater stability and independence."

"Some years back I used to work as a motorcycle rider and I loved t I unfortunately had to sop because I felt I was not making enough since I was employed and most of the proceeds went into paying my employer. I did gain an interest in learning how to drive through this. I have been saving up for driving classes. I do not know how much I need but I am saving so that when I inquire I am able to afford it. I saved my entire October and November transfers to build towards this. In December I bought clothes at $10, food at $10 and saved $14 towards my driving school goal."

"I had bought a motorcycle on loan months before Givedirectly came in as a way of making an income. I have since used a portion of my transfers to help pay out this loan. I use $10 monthly to pay off the loan from the transfers and I did this monthly for the last three months. I also have been trying to rear chicken as a business. I spend a portion of my transfers monthly to purchase them, I spent $12 in October, $9 in November and $6 in December. I bought food monthly, I spent $10 in October and November while in December due the festivities I used the largest amount of $18. In November I bought my child clothes worth $5." (Occupation: Motorcycle or bicycle taxi)

"Upon returning home in the late afternoon with my wife, following an exhausting day toiling on the farm in preparation for the impending rains, we finally took a moment to unwind. As my wife held my phone, its buzz brought forth a message that filled her with immense joy: GiveDirectly had graced us with a generous contribution. Passing the phone to me, I confirmed this delightful news, and together, we expressed profound gratitude and celebrated with joyous dancing. I am a boda boda rider, and this is our sole source of income. I bought the motorcycle on credit, and therefore, the little that I earn, i.e., approximately $25 a day, needs to cater for both our family needs and repaying the motorcycle loan, which is very difficult. I live with my wife and three children, who all look up to me for the provision of their needs. We live in a house that looks like a shack, which is not conducive for the little ones to live in. Building a house was my first project, and I finished paying off the loan. But now that we got the money from GiveDirectly, my first thought was providing my family with a decent house conducive to our little ones." (Occupation: Motorcycle or bicycle taxi)

"I have wanted to build on the animals I own. I would never have owned goats had it not been for Givedirectly. I now own 6 goats in addition to chicken and ducks. I want to buy more animals. For me animals are like an emergency fund. If I get an emergency whether its school fees, or someone being sick I can sell an animals get the money depending on how much is needed. I want to add more animals and increase my security for money." (Occupation: Motorcycle or bicycle taxi)

"I am a father of one and my wife is a housewife. I run a motorcycle business. My business proceeds have reduced due to increased fuel prices that forced us to increase our transport charges which in turn reduced the number of people who are willing to pay the much we ask for the services we provide. The transfers I have been receiving have been majorly directed to pay for food debts and also buying food. In October I paid debts for the food I had taken from a local shop of $13 and bought food for $21. In November I spent $10 on food and paid $21 to till my land, the remaining $4 bought a chicken. During the festivities $19 bought food while the remaining $15 I bought new clothes for my child."