"I do not expect many changes because for one I only use the transfers to take care of my daily financial needs at the university where I have to be buying food from breakfast all the way to supper time."

"I believe that through the business my life will have a significant change because I will sort of become financially independent so I will not have to be relying on financial help and handouts from my husband. This will be the best thing to ever happen in my life."

"Before I received the transfers, I was staying at my friend's house. This is because financially I was not able to support myself in renting a house. I had a very small income from my salon job which could not even my own needs. I had to put up with the situation in as much as I was going through a lot at that time I was staying with the friend. I knew one day, I will find a way out but I did not know it will be through GD. I used my transfer to rent a house and currently I stay alone. I am able to pay my rent, buy enough food and meet other needs comfortably because of GD transfers. I feel there is a lot of peace in my life now."

"There are enough changes I have seen from what I have been doing using the transfers and I still expect more changes. For instance, I want to make sure I save enough money within the next six months so that by the time my wife is done with exclusive breastfeeding of the baby, I start up a small scale business for her so that she can also have her source of getting an income."

"My life is currently different from how it was in that, I have time to rest. Before then, I used to sell clothes in the streets during the day and do the motorcycle taxi business at night. I had only two hours to sleep in the name of making money. I thank GiveDirectly very much for the financial support which I used in starting a business for my wife. Today, she helps me run the other business because it is located in one area and I have time to do the motorcycle business now during the day hence having time to rest at night."

"I have been operating a maize milling business and the chances of expanding were minimal because I never managed to fully meet my customer's needs, thus reducing my profits. It had been discouraging watching my customers go for distance to get maize flour that I could have provided with an exchange of money. I lost a lot and felt I had made a wrong mistake putting up my business. I had a wish to expand it by bringing in maize to sell but the low profits and overwhelming family needs made my dream unrealistic. When I received my first transfer, I resolved to inject KES 30000 to increase the stock in my business. I bought adequate maize stock that will serve a large number of customers thus I am sure that my earnings will improve and increase again. My business is back to life again through the money I received from GiveDirectly. To me, this is the biggest difference in my daily life. I believe the extra profits will help me improve my family living standards and meet emergencies in the family."

"I have spent my transfers on savings in my Mpesa account. I am still planning to use the money in starting a business. I would want to use this opportunity given to me by GD through the transfers to establish myself financially. I would not want to go back to the struggles I used to have before the transfers."

"My major expectation is to expand my poultry business once I start it off . I believe in myself as a hardworking person, once I establish it, it will be a source of my daily income to enable e to take care of my younger sibling. I thank Give Directly for empowering us economically to enable us to be self-dependant and also uplift other people's lives."

"I spent my transfer on buying building materials such as nails, timber and iron sheets which I am using to put up my own house. I did not have a house at home and I have been sleeping in my mother's kitchen anytime I am at home. It has been very shameful for me since most of my agemates have their own houses. I also used part of my transfer to pay masons who are working on the new house. Since that was a new house, I did not have any household items in it hence I used part of the transfer to buy them such as seats, utensils and bedding. The rest of the transfer I used as fare to travel home for the building of the house and to buy food used to feed the masons and my family member."

"I struggle each day to make sure that my family has a happy and healthy life thus making sure that we have access to basic needs is my priority. In our area, getting clean water is a problem given that we have to go far to fetch water in a river. Apart from my family being at risk of contracting water-borne diseases, this situation had put me in deep stress since it was time-consuming and straining to fetch enough water in a day for my family use. Currently, my life has greatly changed in that my family now has access to clean water for consumption and domestic use. I used my transfer to buy a water tank and I currently do not go to the river to fetch water like before. I am happy that I have saved my family from the risk of water-borne diseases and I can relax too. I feel this water tank has given me the biggest difference in my daily life ever and am thankful to GiveDirectly."