"I am looking forward to savings some money and take a loan to buy a car and put it in to Uber business. Accomplishing this means that I will be earning more money and therefore I will be able to pay college fees for my children."

"Living in a semi- arid area has been a greatest challenge. We solely rely of livestock and fruit farming to earn a living but lack of rains has made particularly fruits not to do well. We spend $3 each day in purchasing water for both home consumption and goats. I find it very expensive since from the $ 300 I earn monthly, $ 9 goes into water expenses. Life would be different if water was readily available in this place."

"I completed my high school education two years ago but unfortunately could not proceed to further my education due to a lack of school fees. I then resorted to doing casual jobs and raising chickens to earn a living and save up for my college fees. I have only saved a quarter of what I need to join the school because casual jobs are unreliable. This affects my plans because it will take me another two years to be able to get the $ 600 required to start pursuing a course in mines and exploration. If I had enough money I would have gone back to school as soon as possible, therefore, financial constraints is the biggest challenge."

"It's really hard to get employment here in the village. My husband who's the sole breadwinner had a job in Malindi town as a guest house attendant that was paying him $700 monthly, but lost it in September this year when the owner decided to change his line of business and turned the rooms into rental houses. We have been trying a lot to get another reliable source of income but no much success yet. So we've mostly been cashing in from a motorcycle that he rented out to someone who's using it to transport vegetables from irrigation farms in Galana to different markets. This only generates $3 daily which is quite too little to feed a family of four and pay school fees for one of my two children who's already in school paying $ $400 each academic term."

"In two years, I intend to be self-employed. I work at a restaurant, but because my employer doesn't pay me as we discussed when he hired me, I experience abuse. He usually pays me half my income with the understanding that he will make the remaining payments, which he never does. With my salary, budgeting is difficult, and I frequently end up in debt. With existing restaurant management expertise, I plan to open own in two years. I have therefore begun saving for it and will set aside $10 of each transfer and a portion of my salary each month in order to raise the necessary funds. Once I start the business, I won't share the profits with anyone, therefore our household income will rise. I will also be peaceful and independent."

"I must thank GiveDircetly for including me in their list of beneficiaries. Prior to now, I no longer burn charcoal for sale. Thanks to the recurring payments, which serve as my main source of income at the moment. I want to invest in the future by buying five goats to raise in order to increase my household's income. I will set aside $15 per month in order to save the $35 per goat needed to buy them. I'm hoping to have acquired the desired amount of goats by the end of the year. They benefit us because they reproduce every year. I'll eventually sell them to make some cash for our home expenditures in the future."

"I spend $450 to buy a 5000 litres water tanks because for the longest time during during the dry seasons, we have had to take our dairy cows to the river which is more than four kilometers from home.This of course reduces their milk production and therefore loses. When I got my second transfer, I thought it was a good idea for me to buy water tanks so that I will be able to harvest enough water for the cows during the dry seasons. I spend the balance to pay school fees balance for my two children who are in high school which we were not able to pay previously due to the prevailing harsh economic times."

"Through GiveDirectly cash transfers, people have been able to build houses, buy domestic animals and investment in business. conclusively, we can say what GiveDirectly does well is giving unconditional cash transfers to people living in poverty"