"I am planning to save my next few transfers in M-shwari to buy more stock to boost my business to generate more income for my family. I want to buy more household items i.e Television set on hire purchase for my entertainment."

"In the next six months, I intend to add more goats for rearing and poultry keeping as well. Diversifying my sources of income shall empower me financially and is even allow me to think of other investments going forward."

"In the next six months l expect to have enlarge cattle farming by adding more cattle and l will also have manage to buy an ox plough. I will no longer hire people's cow or an ox plough because l have my own."

"I am a widow with a child to take care of. However, the task of providing for her needs is always difficult because I cannot do tedious jobs ever since my hand got disabled due to an accident. Receiving this money means changing my life for the better. I will buy an oxen and ox plough in order to expand my farming. I plan to use the remaining amount to buy eight goats and also repairing my house. "

"The moment I received the transfer, I felt very happy. It was around 5:00 am in the morning that I received the message. The first person that I told the good news was my husband. He was also happy to hear that the transfer was finally sent to our account. We decided to go and look for our helper after some hours who withdrew the money and gave it to us. We started planning on how to use the money right there and then. I am just grateful because I managed to achieve some of my goals courtesy of GiveDirectly."

"Charcoal burning being our main source of income can no longer be depended on due to scarcity of trees and the hard labor it requires which mostly results in health complications. This makes limited financial resources the biggest hardship that we face. Last month, just before the end of first term exams, my son who is in secondary school was sent home to collect his fee balance so he can be allowed to sit his exam. I literally had to beg the headteacher to allow him in school and promised to clear it in May when they re-open for the second term. Also, despite it being the rainy season, we are yet to receive rainfall. This has made water a very scarce commodity in our village, I have to walk for three hours to access the nearest water point. Most times when am very tired due to the nature of my work, I have to spend fifty shillings per twenty litre jerican to be fetched and transported using a motorcycle while normally, l would buy a jerican at ten shillings. "

"First of all I am planning to buy a cow.From this I can get milk to sell and also calves to sell in the near future.I am also planning to buy more chicken so that we can start selling eggs and also chicken during market days.Finally I will build a house with the remaining part of the money."

"Receiving this money means i will be able to build my own house since i inherrited the small hut i live in from my parents when they died. I am also happy since i will be able to buy a dairy cow which will in turn help me financially since i will be able to sell milk as well as use some to feed my children"

"Raising my two children single handedly after the death of my husband has been my major challenge all along. My casual jobs could not sustain us comfortably and this forced my son to drop out of school at standard three. Going without food is just a normal thing in my family as it happens frequently. I am struggling too much to make ends meets because I lack a stable source of income."

"The biggest difference in my daily life is that I managed to buy a battery for my solar. I had been charging people's phone to earn a living but for over a year, this became a standstill because the battery was not in good condition. Now that I had bought a new one for my solar panel, I can earn a few coins from charging other peoples phones. My home is also well lit compared to the past year."