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"KIVA is one of our favourite projects as we are giving a "hand up" rather than a "hand out". This enables a woman who wants to start or grow her own business. These micro loans provides financing for a woman who would not qualify for a loan through a financial institution. This really is a loan as she will pay back the money once her business is successful. These loans empower women to become independent and the ability to provide for their families. Gifts to Grandmothers have loaned to over 100 women." Description for the totes for sale: These designer totes are constructed with pet screen lining and a reinforced base. This maximizes the strength and durability of the bag. They come in a wide variety of colours, fabric, and trim to suit every taste. Bags come in either 31 cm. tall by 41 cm. wide or 31 cm. tall by 44 cm. wide. Great for books, laptops, baby, work, travel, and everyday use.