"The major challenge that I am currently facing is in our business that is running on a low income. We rely on it to feed and educate our family but this is not been the case recently due to inflation and low customer turnout. Pumping more money to make it afloat will enable us to save some and also to take care of our family."

"Bad luck stroke my spouse and experienced expectancy difficulties. This lead to her miscarriage and underwent a Cesarean section. This was expensive and cost for us, it left us with huge hospital bills that I am still settling. This is not easy for me since I work casually as a motorbike rider earning me little money of about KES 300 daily."

"Just imagine buying two liters of milk daily at KES 100 to feed my children. This costs half of our daily income which is expensive for me. I cannot avoid this now that milk stable and nutritious food for children. This gives me the necessity of buying a cow with KES 40000 to produce our milk and cut this cost. This will also boost our family income through the sale of surplus milk. I am also passionate about the grocery business but capital has been challenging to me. With this money I see my dreams coming through. I will spend KES 20000 to jump-start this enterprise which will later give us more cash flow. I will also buy food and clothing for my family to avoid perennial food shortages."

"I currently do not have a cow to milk for my children and family consumption. I work on a farm as a casual laborer which earns me little money about KES 400 daily. This money is only enough to buy food and pay bills, making it harder to save to buy a cow or build a better house. When I receive this money I will use KES 30000 to buy a cow and KES 60000 to build a three-roomed house, one for our children and the other for us. I also aspire to venture into poultry farming, I will therefore set the remaining money to start this business and buy food for my household."

"Receiving this money means a good life for me and my family. I am a father of 6 and work as a herds man in a nearby village. I earn an average of KES.3,000 on a monthly basis. My ambition is to build a spacious house that can accommodate my family. Since my children are now growing I need to have privacy and respect.Givedirectly transfers is a prayer answered to our family. We are so greatful for this opportunity and my plan is to build a house at a cost of KES.80,000 this is inclusive with the labour. The remaining amount will go for buying food to my family."

"The challenge I am currently facing is financial constraints. For the past two years now I have been struggling alone to raise school fees for my 3 children. My spouse left us two years ago looking for job and he has not return. I have no other source of income apart from subsistence farming. This usually depend on good weather. For severally years now, my area has been experiencing prolong drought. This has really affect my farm yields from harvesting 10 sacks to now 6 or 4 sacks of maize yearly. This has caused my children stay home because of school fees arrears."

"We spent most of the money that we got on buying a cow. We had always wanted to purchase a cow of our own but due to lack of money, we were not able to. The one that we have been having was not ours. I engage in small-scale farming where I earn approximately KES 500 per week from the sale of my farm produce. My husband owns a small butchery business in the nearby town. The money that we get from our small incoming-earning activities has not been enough to save up to buy a cow. Most of it usually goes to the purchase of food and payment of school fees for our four children. We are thus so much grateful to GiveDirectly for making our dream come true."

"Food insecurity is the biggest challenge that I currently face. My farm is largely rocky and that means no agricultural activity can take place. I have to buy every food item like vegetables, milk, and maize flour, unlike my neighbors who get almost all from their farms. I am a milk vendor and I make a profit of KES 300-400 daily. On many occasions, what I buy exceeds my daily income and this has exposed me to losses that have adversely affected my business. I am not in a position to pay debts that I owe my customers and it is only a matter of time before I shut down."