"As I look ahead to the coming months and years, I'm hopeful to achieve a simple yet meaningful goal: expanding my flock of goats. I've been diligently saving through my SILC account, banking on the promise that when these savings mature, I'll be able to use the savings to purchase even more. This venture represents a path to financial independence and security for me and my family. With each addition to my herd, I'm not just growing a business; I'm nurturing a future where we can sustain ourselves with dignity and pride."

"I desire to build a new house for my family. Right now, we're living in a broken-down place since it got destroyed by a big storm. It's not safe or comfortable. I hope to build a two-room house where we can all live comfortably, including my co-wife who doesn't have a job. I'm counting on my job transfer and my savings to get all the materials we need to start building. It'll make me so happy to finally have a solid roof over our heads."

"In the near future, I'm aiming to buy a goat. It might seem small, but if they multiply, I could sell some and handle financial emergencies better. Right now, I rely on a future transfer, but it's tied up with paying school fees for my three kids. It's a tough choice to divert that money to buying goats, but I'm hopeful it'll pay off in the long run."

"Following a successful harvest that I believe will sustain my family until next year, I am now focusing on addressing other previously challenging needs, particularly related to education. My main objective is to actively support the education of our four children, thus alleviating some financial burdens from my husband, who works as a casual laborer. To achieve this, I contribute $5 monthly to our merry-go-round group, which I believe is a promising initiative. With the help of cash transfers, I am confident that I will be able to save effectively and ensure that my children receive the best education, allowing them to concentrate fully on their studies without worries."

"I have two children in the upper classes, and my eldest is soon joining secondary school, requiring careful financial planning for a smooth transition. Currently, I am managing previous term fees arrears with the help of GiveDirectly transfers, significantly easing my financial burden. The difference is profound compared to before I received these transfers; my children are no longer sent home for fee balances because the teachers know I receive support from GD, and I am able to contribute consistently. My family relies on casual jobs for income, but the last season was challenging, leaving us in a situation where we are struggling to afford basic necessities and school fees. I am compelled to allocate the limited income from casual jobs to both essential needs and educational expenses, highlighting the importance of additional financial support to maintain stability and ensure my children's education continues uninterrupted."

"I have a plan to set up a retail shop, the budget for this is about $600. I cannot get such a huge amount at once to start this business. Since I depend on farming doubling up to goat rearing. I plan to buy small goats since at a tender age they are not so costly. And I know they will grow up with time, and give me good returns when they have grown big. that will enable me to get good money to purchase a cow. The cows will only need a short while to mature and thus I will sell the cow each to be sold for $400 which will be enough for me to start the business"

"I used to be a farmer growing crops near Lake Baringo. In the year 2019, we experienced a heavy downpour that resulted in the swelling of the lake to an extent that it swallowed my entire arable land. I was forced to relocate to a safer ground where the land is very small with no space to do farming. As we speak, my land is still inside the lake. Because of this, I lost my only source of livelihood(which was farming) and decided to be a casual labourer in other people's farms in order to survive. Life has really been difficult for me as I have to cater for all my needs including food which previously I used to grow."

"It's heartening to know that all my children are nearing the completion of their courses by the year's end. My immediate goal is to ensure their smooth progression by covering their final exam fees. Once this responsibility is fulfilled, I aim to channel my efforts into expanding and enhancing my poultry project, thereby increasing my income streams. The financial support I've received from the transfers has been instrumental in transforming my life positively, and for that, I'm truly grateful."

"I've been blessed with a great harvest this year, and we have plenty of food stored up. Now, my main goal is to save money carefully in the microfinance institution. I want to get a loan from there so I can finally build a strong and cozy home for myself. The money I've received from the transfers has really helped me move closer to this dream, and I'm incredibly thankful for that."

"I am currently struggling financially to meet my basic needs. I do not have a stable source of income which is a big setback for me. This pushed me to start a kiosk and a food canteen in the village six months ago. The enterprise is picking up well and this motivates me a lot. It earns me a profit of about KES 1000 daily. It is unfortunate that I end up using the same profit to buy daily basic needs rather than developing my business. I was forced to lease out my piece of land four months ago to raise KES 5000 school fees arrears for brother who is in Yatya secondary school. This was so painful to me since I ended up with no land to cultivate."