"Income source is a challenge. We depend on subsistence farming and the money from farming is not enough to support my family."

"The biggest hardship we have faced is the frequent droughts we experience in our area. As a subsistence farmer, I would like to irrigate my farms during the dry seasons. Unfortunately, I have never afforded to acquire the necessary equipment for storing water and irrigating my farms. As such, droughts have been destroying our crops, making it difficult for us to survive, meet our financial and food demands."

"The main challenge is money access. I struggle a lot to find money. I don't have a reliable source of income."

"My husband works with hotel industry at Kwale county .He is the provider of the family. In June his job stopped due to the Covid-19 challenges. I have no work to do at home, I rely on agriculture and this season never did well. I had go without food with my family for a period of one week. This was very hard for me to bear. That is the biggest hardship I faced."

"To me, receiving this money means a chance for a better life. I have had a dream to buy a cow after selling the two I had five years ago to take care of my father's medication but I couldn't due to scarce resources. I am a masonry earning KES600 a day when I get some work and this isn't enough to take care of my personal basic needs and support my siblings. I believe having one again will mean an increase in my assets and I will rely on it for milk for my household consumption and sales to make an extra income thus I am planning to buy a cow worth KES30000 to start with. I wish to spend KES40000 to build an iron-roofed house and fully furnished. When I complete it I will be ready to marry and this will be my happiness since I will have a place to call home and share the comfort with my family. I am planning to invest KES20000 to invest in poultry farming since with egg production I will be able to meet my daily household needs thus save my earning for other incoming generating activities. I am planning to spend KES20000 on my personal basic needs mainly food and clothing."

"I have three on-going school children. Two are expected to complete their primary school level come next year. Their fortune to proceed even to join a local technical training college has been in the dark. So, receiving this money will mean a continuity in their academic ambitions."

"Receiving this money from GiveDirectly means good education for my children. I have a girl who is a form two in secondary school and two children in primary School. Once I successfully receive the money, I will use part of it to pay school fees for my children,and use the remaining to buy two cows that will start earning me an income by selling some of their products such as milk."

"Lack of money is the biggest hardship I have ever faced. I lost both my mother and my four children in the past ten years due to health related complications. I used a lot of money in their hospital bills. I was forced to sell all my livestock in order to raise money for their hospital bills. Unfortunately, they did not make it. From that moment, all my finances were drained in totality and I have never made a come back again financially."

"Finance is a big challenge for me. For instance last week I had to borrow money from my friends and family members to offset the hospital bill for my wife who delivered our firstborn child ."

"For a long time, I have wanted to build a house with an iron sheets roof. This will enable us to collect rainwater and also reduces the burden for my wife going to fetch water over long distances and also I can save at least Sh 600 a month which I always use to buy water.I have also sold most of my livestock to gather for my kids school fees .Therefore this transfer will help me acquire some other cattle and hence I can sell their young ones in future for my kids fee again."