"I don't expect any change in the next four months, because I am still paying school fees. Once my daughter finishes school I will be relieved because I can now buy my personal items and start doing other personal projects too. I have hope, soon I'll start buying clothes because the ones I have now are old. I will have to persevere until my daughter finishes school. However bad, I want to live a good life, my daughter's education comes first. I do not want her to be sent home due to fee arrears."

"It was around 3 am when I heard my phone ringing. I was a bit curious because it was not normal for my phone to ring such an hour. I decided to check its content. It was a Mpesa message from GiveDirectly. They had sent my first transfer as they had promised. I was so happy at the moment knowing my dreams are now achievable."

"The biggest difference in my daily life is that I was able to buy building materials such as iron sheets and building poles. This gives me hope that very soon I will be living in a more decent house. I am planning to build a more spacious and iron-roofed house because the grass-thatched house had become old and was in bad condition. I always believe that it is the help I got through GiveDirectly that enabled me to fulfil this. I am very grateful for choosing me as one of their beneficiaries."

"I am operating a shop in my village where I sell fast-moving goods. This has been a source of income to me for a long time now. It was my expectation that I would expand my operations and increase my earnings by including a variety of goods before the end of this year. When I received this money, I made sure I added the items that my customers wanted badly. I am happy because I can now efficiently meet my customer's needs. This has, in turn, increased my daily earnings. To me, the fact that I am able to meet my client's needs and have been able to grow financially is the biggest difference in my daily life."

"The biggest difference in my daily life is that I am always happy and at peace. The fact that Give Directly came into our lives and empowered almost everyone in our home has relieved us from most of the family's burden. My son had completed college and our main aim was to ensure he becomes independent after school. After training, however, he could not secure a job for a long time. When I received this transfer, I started spare parts shop and garage dealing with a variety of automotive such vehicles and motorcycles and employed him to run it, so that he can be earning some cash and not depend on us on everything."

"I expect my life to change in the next six months because I will have started another business. I am planning to start a second-hand cloth business majorly for children's, this is to enable me to have an additional source of income to help me in supporting my family efficiently. I have a family to look after and children to pay their fees, therefore, having an additional source of income will enable me to cater for their needs on time. I also would be in a position to pay their fees school in time to avoid issues of them being sent home for fees balance."

"In the next six months l expect to have expanded my poultry farming business and getting more profit."

"Being a housewife I am forced to depend on my husband who is a teacher. His earning is rarely enough to accommodate the needs of our family. In spite of my first child having completed secondary school, she has never joined college, something that has eaten my joy and consequently, giving me sleepless nights. Therefore, financial instability has always been my hardship."

"My dream is to build a better house than the one I live in which is only one room covered with a thatched roof that leaks a lot especially now that it is raining. I plan to build a two room house with an iron sheet roof worth 35000 shillings. I also will buy 3 indigenous cows at 15000 shillings each, two for ploughing my farm and one for milk production for sale. With the rest of the cash, I will buy a bed and comfortable mattress and also pay fees for my daughter in primary school."

"My expectation in the next six months is to have raised enough money to take my two sons to the secondary school comes January. The saving process we are starting will make this a possibility since we are planning to make it a routine saving every month. "