"In the coming year and beyond, my main goal is to complete the construction of the house. I plan to save my future transfers to fully pay the mason’s labor fees, ensuring the work can continue smoothly until the house is finished. Moving into our new home will be a moment of great pride and joy for me. After the house is completed, my next goal is to invest in livestock. Currently, I have two cows and five goats, and I hope to grow my herd. As the livestock multiply, they will provide a good return on my initial investment, and I’ll be able to sell some for income in the future. I’m incredibly grateful for the financial support from GiveDirectly, which has been instrumental in helping me move closer to my goals and secure a better life for my family."

"Looking ahead, my goal for the coming year and beyond is to invest in more livestock to grow my small herd. Selling charcoal doesn’t provide enough income, but livestock offers a sustainable way to earn money. As they multiply, I’ll sell a portion to help meet my family’s needs. To achieve this, I plan to continue saving money in the savings group from my subsequent transfers. I am very happy and deeply appreciative of the financial support, which is bringing me closer to achieving my goals and improving life for my family."

"Our current house is in a dilapidated state, which poses a serious safety concern for us. For this reason, I am determined to build a new house that will provide the security and space my family needs. My goal is to continue saving $10 each month in the savings group, allowing the funds to accumulate over time. Once I receive more transfers, I will combine the savings to begin building a spacious, secure home for my family. I’m truly thankful for the financial support, which is helping me work toward achieving my goals and improving our quality of life."

"Currently, my job selling charcoal brings in very little income, making it difficult to meet all of my family’s needs. To address this, I plan to use my future transfers to invest in livestock. The goal is to rear the animals and, once they multiply, sell some to generate additional income. This will enable me to better support my family. I will continue saving with my savings group to build up enough funds to purchase the livestock. I am really thankful for the financial support, as it’s helping me work toward a brighter future for my family."

"Looking ahead, my primary goal for the coming year is to complete the construction of our two-room house. This will give us a safe, spacious home to live in. I have joined a savings group where I contribute monthly, and the money gains interest over time. I plan to use both my savings and the interest earned to buy the remaining iron sheets by the end of the year. Through these efforts, I’m hopeful that my dream of building a new home will come true soon. I’m incredibly appreciative of the financial support that is helping me achieve these important goals."

"Looking ahead, my biggest goal is to provide my children with the education they need for a brighter future. I plan to use future transfers to pay for their school fees. This will make sure that their learning continues uninterrupted. Along with supporting their education, I aim to invest in my business, attracting more customers and boosting profits. I’m truly thankful for the financial support, which is helping me take care of my family and improve our lives."

"Financial constraint is the greatest challenge am so facing .I am a mother of 4 in a polygamous set up, this has made my life difficult because my husband has a divided mind in terms of household responsibilities .I have to go an extra mile to ensure that my children meet the required basic needs.My tailoring business failed in October 2023 due to my inability to pay the house rent in Kampi samaki center.The household needs had exceeded the daily incomes from my business and hence I had to relocate the business home , here the number of customers have reduced leading to a lower income than before.Providing for my family has therefore become a challenge because I do not have the capacity to engage in other income generating activities.My children are too young and one of them is disabled therefore in need of much attention from my side.This issue of finances has really caused a lot of stress making me have sleepless nights for the last one year . Currently I am hoping that things will change for the better ."

"My goal for the coming year is to complete the construction of my shop, which consists of three rooms. One room will be for my business, while the other two will be rented out to generate additional income. To achieve this, I am setting aside $20 from my monthly transfers, which I save in our local savings club. Once I have saved enough, I will buy the necessary materials, like sand and cement, to finish the construction. I’ve already installed doors in two of the rooms, with some support from my spouse. This project will not only improve my business but also provide extra income from the rental spaces. I am proud of the progress I’ve made so far and extremely grateful for the support that has made this possible."

"Currently, I'm facing a lot of challenges. Since I'm an internally displaced person because of banditry I don't have a house of my own. This has made life difficult for me and sometimes I get stressed because I left my home only to live in a borrowed house."

"Before GiveDirectly came to our area, I had a small grocery business that provided some income to support my family. Unfortunately, the business collapsed, leaving us without a steady source of income. Now, I want to invest part of my transfer into reviving the business. Life has become very difficult. My spouse works as a motorbike taxi operator, but the little income he earns isn’t enough to sustain us, and he often has to work late into the night to make ends meet. Thanks to the transfers we receive from GiveDirectly, things have improved. These cash transfers have allowed us to start rebuilding and creating a more stable income source. Reviving my grocery business will help us cover essential expenses, including school fees for our children, easing the financial strain on my spouse. In addition to that, we are saving part of our income to buy my husband his own motorcycle, which will give us two reliable sources of income. Currently, he rents the motorbike he uses, which leaves him with very little earnings after paying the rental fees. Owning a motorcycle will significantly improve our financial situation and help us build a more secure future for our family."