"With the transfer ,I would like to use part of the money approximately $300 to install a tap of water near home. I get drinking water far away from home making it hard for me as a person. I told you earlier old age has kicked in and I am unable to do a lot of work. I will use $200 to buy a cow and $200 to get four goats which I will rear. The rest of the amount I will save up for hospital, food and emergencies."

"In the upcoming year, my focus is on investing in livestock, particularly goats, given their cost-effectiveness and quick reproduction. My primary aim is to build up a herd of goats, with the intention of eventually selling them to acquire a cow, which I view as a valuable investment. I will utilize my upcoming transfers to accomplish this goal. Owning a cow will provide additional income, especially if it reproduces and I can sell the offspring. The supplementary income will also enable me to meet the educational expenses of my son, who is in junior secondary school. I am deeply grateful to this organization for enhancing my living standards through their financial support."

"I work as a boda boda rider to support my family of seven, while my wife takes care of our children at home. In the past, we faced financial challenges and relied solely on raising livestock for our livelihood. Additionally, I had taken a loan to buy a motorcycle, and repaying it was a burden. However, our lives changed for the better when GiveDirectly stepped in and boosted our finances. With their help, I was able to clear the motorcycle loan, and my business is now thriving. With the assistance, I have acquired six cows and seventeen sheep, greatly boosting my livestock numbers. I can also pay my children's school fees and buy them food without any strain. I saved all the transfers I received over three months, totaling $102, and bought a cow, which I plan to resell for a profit to finance a future project. This support has greatly benefited my family, and I am deeply grateful. I eagerly look forward to what the future holds."

"In the coming year and beyond, I am determined to focus on investing in goat farming to secure my future. I plan to save at least $15 every month, ensuring that I can gradually expand my herd. The choice of goats over cows is a strategic one; goats are more affordable to acquire and maintain, making them an ideal investment for my current financial situation. My passion for goat farming fuels my drive, and with careful planning and consistent effort, I am confident that I will achieve my goals and create a thriving agricultural venture."

"Cash has allowed me to dream. I never in my wildest imagination thought I could join a savings group and make large cash investments. I recently bought a cow using my $150 received from the cash I had saved. I want to now open a business. I will require around $100 to start the business. My plan is to save and get to this amount and then start the business. This will change my financial fortunes as now, my husband is the sole income earner in our home. I would like to see this change."

"I have expressed my desire, even in the past, to make enough cash to start a business. In my mind now is the acquisition of cows. I want to have at least two cows by next year. I will achieve this by buying and breeding goats and chicken until I have a good number, enough to sell to get cash for a cow. I want to get two dairy cows, this cows I plan to use and get income buy milking them and selling the milk. This will mean that I will also be an active contributor to my family finances."

"The transfers from GiveDirectly came at a crucial time when my son was about to take his exams. I have a son in college pursuing a driving course who had an outstanding college fee balance that needed to be cleared for him to sit for his exams. I therefore had to spend $30 of my recent transfers to pay his school fees so that he could take his exams. I also have two other children in primary school, and I had to pay $20 for their school fees to ensure they could continue with their studies. Additionally, I had to spend another $22 to buy food for my family so that they would not go hungry but instead be well-nourished. Lastly, I have always aspired to become a livestock farmer to create future wealth. I therefore spent the remaining $30 to buy a sheep, adding to the two I already have, in hopes that they would multiply and increase in number and value. In the future, I plan to trade some of the sheep for cows, which will serve as a reliable source of income, especially when this program comes to an end because I may be able to sell them and take care of my family when faced with challenges that require a lot of money as well as paying school fees for my children. As the female cow breed, I will also be able to use their milk for my family, adding nutritional benefits to our diet."

"My business has given me great financial independence. I would never have been a part of a savings group without the transfers and the business as I would be scampering to use the little I get from my husband to pay school fees and feed the family. I look forward to adding much more to the shop and ensure this increases my income. In turn I will be able to buy more goats and cows which for me are an easy way of getting cash when in emergencies."

"My current house is old and bound to collapse at any time and this has been making me very sad. My wish has always been to provide my family with a better and safe house where they can sleep comfortably. To achieve this, I decided to use a portion of my monthly transfers to buy building materials, pay for labor to build a house, and ensure that the construction progresses without stalling. This way, there was some improvement in the building process every month. My hope is to have the house completed by September of this year. To reach this goal, my plan is to continue using my transfers from GiveDirectly to purchase the necessary materials, cover labor costs, and have the house completed so that we can finally move in. Once the house is complete, I intend to redirect the transfers that I was using for construction towards buying goats. I hope that these goats will multiply and increase in value, allowing me to trade some for cows in the future. These cows will serve as a form of savings, enabling me to sell them later to support my family and cover my children's education."

"I had a goal of investing in goats to complement my poultry farming. Currently, I have around fifty broiler chickens, which I aim to expand and use as a source of income when needed. With $102 from GiveDirectly, I was able to purchase two female goats. I believe investing in goats is a promising idea because they can multiply quickly and can be exchanged for cows. Previously, I owned about six cows, but a prolonged drought resulted in their loss, leaving me with only one. My plan is to eventually exchange the goats for cows, as investing in cows is a good form of investment, with each cow potentially selling for around $1,000 when they mature."