"Throughout the entire process, from enrollment to completion, the organization's operations were executed flawlessly. We were educated on the importance of safeguarding our money, and every individual we encountered treated us with utmost dignity and respect. The field officers proved to be reliable and trustworthy, honoring their commitments. Right from the beginning, we felt that our opinions held value and that we were receiving the highest level of service possible."

"Looking ahead to the upcoming year and beyond, my aspiration is to construct a comfortable house for my family and expand our land holdings. To achieve this dream, I have planned to gradually save money from our farm. I hold a hopeful outlook that with perseverance and time, I will be able to turn this vision into a reality. Most importantly, I am deeply grateful for all the accomplishments I have achieved thus far on my journey."

"Receiving my transfer brought a wave of hope into my life, and the timing couldn't have been better. I was in Kabartonjo, a bustling town, after transporting a client. I vividly remember the moment my phone buzzed, signaling the arrival of a message. As I checked the contents, I was filled with delight and captivated by what I saw. Being in the capital city presented me with an excellent opportunity to purchase wire mesh at a favorable price. I am incredibly pleased with the positive impact this financial improvement has had on my overall living standards."

"Looking ahead to this year and beyond, my aspiration is to fully focus on farming and establish it as my primary source of income. Irrigation facilities and support from Give Directly for financial assistance, fills me with great optimism regarding this new investment. I am also looking forward to having a more comfortable family by having all our basic needs taken care of without struggle."

"I consider the lack of a reliable source of income to be my biggest challenge. In our area, the main economic activity is charcoal work, a very energy-draining job. Since I do not have the skills to seek decent jobs, this has pushed me to continuously venture into this activity. At the moment, trees are scarce and I am forced to dig out the tree remains to make the charcoal. In a good month, I make utmost $50 from this job. All this income goes to buying food and I save nothing. Since this income is low, It has compelled me to live in a very hazardous house that is just braving the strong wind of our area. In addition, my daughter's education has been affected because she is frequently sent home due to a lack of fees. This has pained me as a mother and has devoured my hope. What a life!"

"Towards the end of the year, my objective is to save a sufficient amount of money to acquire livestock. The acquisition of livestock will provide me with an opportunity to amass wealth as their numbers multiply. In addition to investing in livestock, I intend to allocate a portion of the funds from transfers towards paying for my children's school fees. This will ensure that they receive a quality education and pave the way for a prosperous future."

"By the end of this year, my objective is to gather all the necessary building materials for constructing my new house. The monthly stipends will play a significant role in enabling me to achieve this goal. The assurance of a spacious and sturdy house will bring peace of mind, eliminating concerns about homelessness. Consequently, I will be able to concentrate on earning a livelihood and providing a good upbringing for my children. Additionally, apart from house construction, I aspire to invest in livestock as a means of accumulating wealth for the future. This will ensure that I can continue paying for my children's education expenses even after the program concludes."

"We recently formed a merry-go-round group of five people, and I've been saving $10 every month since then. My goal is to save enough money to purchase building materials such as iron sheets and building poles. I have a four-room rental house in a trading centre that could have generated a good income, but because its walls are made of mud and the roof is dilapidated, only one tenant moved in, and I am currently only receiving $5 per month from the tenant. I intend to replace the roof with new iron sheets and rebuild the walls with bricks using the monthly transfers. This will attract many tenants, increasing earnings to at least $25 per month. This is what I want to accomplish in the coming year and beyond."

"A few years ago, my wife passed on and I was left to take care of my eight children. Raising them single-handedly has not been easy because I rely on casual jobs to make ends meet. The money I get , can only be enough for food but for other needs such as education I depend on bursaries and well-wishers. If I had a stable source of income, life would be better."

"I am old and struggling a lot on my own, my legs are feeble and I have difficulty walking. I fend for myself and a sickly daughter, Marina. She has been sick for the last 3 years, she has a cancerous leg and she goes through a lot of pain, she cannot move at all and has to be assisted to do everything. It gives me sleepless nights to take care of her, she sometimes cry uncontrollably because of the pain and request to be taken to the hospital but I am helpless since I do not have the money to take her for medication in Eldoret Referral Hospital. I have been treating her with traditional medicine but there has been no improvement. Day after day, I have massive worries and wrestle with hopelessness and the thoughts of ever being able to take my daughter to the hospital. The 3 years have been hell, unbearable, and miserable. I am poor with the state of my sick daughter"