"I except to save most of these transfers in the next six months for my grandchild's high school education since she ought to join next year. Therefore, I feel it is important to start early because my main aim is to give her a quality education."

"After investing so much time and money in my matrimonial home my husband and I separated about ten years ago. When I came to this village then, life was hard I hardly knew where to start. I had to strain so hard to purchase a piece of land, build and shoulder all responsibility of educating my four children. Since I am a primary school teacher, this alone cannot cater for the umpteen needs in my household especially my children's education costs. I have depended too much on bank loans and my worry is that repayment may become overwhelming. This is the biggest part of my life. "

"Where I stay, electricity is a luxury not everyone has it at their homesteads. My phone was off and I had taken it for charging. Upon switching it on, I received several messages one of them was a message from Mpesa indicating that I had received my transfers from GiveDirectly. I was very excited and overjoyed. We danced together with my family celebrating the fortune and a new beginning."

"For over 10 years now, my husband has been operating 'tuk-tuk' taxi (a three-wheeled motorized vehicle) in Mombasa on a contractual basis. With the vast experience and expertise gained in this sector, it has been his desire to own one, but financial constraint has been a great hindrance. Therefore, for our transfers, we intend to use it as a deposit in one of the loan providers so that we can secure one on hire-purchase. I strongly believe that the income earned there will be able to service the loan while at the same time cater to the needs of the family. Within one year, we will have full ownership of it, and our dream will be fully realized. This to us is a reliable source of income and that is what receiving this money means to the family."

"My hustle as a musician was not doing well because I lacked the necessary capital to develop and improve my talent. My life is now different because after receiving the transfer I was able to save enough capital and opened my own studio in partnership with my fellow group members. The money has helped me in producing music, and unlike before, I now have the opportunity to attend many concerts and shows because the financial support has opened many opportunities for me. Also, I have been able to open a small business of selling clothes from which I also get an extra income"

"My new goal is to save enough money from the transfers that I will be getting from Give Directly. Through this, I will be able to start a business of selling second-hand clothes. This will help me generate an income and be self-employed."

"The biggest hardship I have faced is raising school fees.Even though my spouse and I are primary school teachers,what we earn is hardly enough to pay fees for our children in secondary and primary schools.In addition,my husband is furthering his studies during school holidays and this means that there is more fees to pay."

"My expectation in the near future is to build my son a better house where he sleeps. He currently stays in a small mud-walled sloped house and this is uncomfortable for him staying in it and I want to ensure that he is happy. With all these plans that I have, I pray that our lifestyle gradually improves for the better."

"As a family, we don't have enough land. We have only one garden which cannot produce enough food to the family."

"My biggest hardship is lack of enough land for crop cultivation. I am always forced to utilise a small plot of land that my father gave me and this doesn't provide room for commercial farming."