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  <url>
    <loc>https://www.nhsmc.org/upcoming-events</loc>
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    <lastmod>2024-10-12</lastmod>
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    <loc>https://www.nhsmc.org/upcoming-events/event-one-clsdm</loc>
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    <lastmod>2023-12-18</lastmod>
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    <loc>https://www.nhsmc.org/contact-us</loc>
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    <lastmod>2020-06-23</lastmod>
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  <url>
    <loc>https://www.nhsmc.org/home</loc>
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    <priority>1.0</priority>
    <lastmod>2025-04-09</lastmod>
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      <image:title>Home - Many Perspectives.</image:title>
      <image:caption>The National High School Microfinance Coalition is a group of approximately 175 high school students from fourteen high schools across the United States. Given that microfinance is a rather new, complicated, and impactful financial innovation, we believe that communication between our clubs is essential in ensuring that we maximize our impact.</image:caption>
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    <image:image>
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      <image:title>Home - Working With Experts.</image:title>
      <image:caption>Experts have not reached consensus as to the effects of microfinance; some believe it is an extremely powerful tool in alleviating poverty, and others believe that it is more harmful than helpful. We work in collaboration with advisors with a diverse set of beliefs about the tool, many of whom have worked on the ground with the entrepreneurs we seek to help and others who have conducted extensive research in the field. Constant coordination between our groups and leaders in the field ensures that we use our resources in a supportive and sustainable manner.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Home - In Tune With Research.</image:title>
      <image:caption>Muhammad Yunus invented microfinance in the 1970s, and a lot has happened since. However, many who promote microloans are unaware of how exactly borrowers use the funds. As high school students actively using and raising awareness about the tool, we believe that it is essential that we understand the real impact of our loans and use that understanding to guide our lending strategies.</image:caption>
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  <url>
    <loc>https://www.nhsmc.org/about</loc>
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    <lastmod>2026-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.nhsmc.org/advisory-board</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-08-25</lastmod>
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      <image:title>Advisory Board - Make it stand out</image:title>
      <image:caption>Julia Brand Advisory Board Chairwoman NHSMC Founder and 2020-2021 President</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5edaf8ec16bbd31a81862cbc/58636f6e-70dc-4f97-b759-b3b71fbcdba5/_P8A8579+2.jpg</image:loc>
      <image:title>Advisory Board - Make it stand out</image:title>
      <image:caption>Simrun Kothari NHSMC 2020-2021 Vice President</image:caption>
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    <image:image>
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      <image:title>Advisory Board - Make it stand out</image:title>
      <image:caption>Nathan Russell NHSMC 2020-2021 Director of Content</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5edaf8ec16bbd31a81862cbc/e3b53e5e-2285-481c-868d-68a0c6fcbf31/FullSizeRender.jpg</image:loc>
      <image:title>Advisory Board - Make it stand out</image:title>
      <image:caption>Savannah Neibart NHSMC 2021-2022 President</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5edaf8ec16bbd31a81862cbc/f88ea17d-6d11-4647-9da8-1b5faaf088c0/IMG_1091.jpg</image:loc>
      <image:title>Advisory Board - Make it stand out</image:title>
      <image:caption>Matteo Dall’Olmo NHSMC 2021-2022 Director of Communications</image:caption>
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    <image:image>
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      <image:title>Advisory Board</image:title>
      <image:caption>Marcus Berkowitz Grameen America Vice President, Technology &amp; Innovation</image:caption>
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    <image:image>
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      <image:title>Advisory Board</image:title>
      <image:caption>Amelia Hopkins Phillips Somo Founder and Executive Director</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5edaf8ec16bbd31a81862cbc/1600753673352-I31T47DPXRX6V16G0FDL/183177_kiva-logo-png.jpg</image:loc>
      <image:title>Advisory Board</image:title>
      <image:caption>Kiva</image:caption>
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  </url>
  <url>
    <loc>https://www.nhsmc.org/student-board</loc>
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    <priority>0.75</priority>
    <lastmod>2025-11-09</lastmod>
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      <image:title>Student Board - Jack Cohen</image:title>
      <image:caption>Tobias Keene, D.D.S. Hailing from Richmond, Virginia, Dr. Tobias Keene brings a bit of unabashed Southern hospitality to all his patients. He moved to Washington, D.C. over thirty years ago as a freshman at Ivy College. Right after graduation, he attended World University’s School of Dentistry. Before opening Keene Dental in 1994, he worked for free clinics and some of the finest practices in the District. He is part of the 123 Dental Association and stays up-to-date on the latest dental discoveries. When not striving to keep his patients happy and healthy, he’s enjoys hiking with his family in Rock Creek Park.</image:caption>
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    <image:image>
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      <image:title>Student Board - Alex Black</image:title>
      <image:caption>Vice President Alex Black is a senior at Riverdale Country School, located in the Bronx, New York. He was first exposed to microfinance through the club Zawadi by Youth at his school, which emphasizes student-led discussions around global economics, financial empowerment, and counteracting the structural challenges of poverty. Once a member of this club, he continued to further develop his understanding of microfinance as an Intern of NHSMC, working in the Marketing and Social Media Cohort. The user focused, educational assignments he completed gave him a practical understanding of how small loans can drive outsized impact—especially when paired with community trust and long-term support. This past summer, he studied lean startup models in a Global Entrepreneurship program in Dublin and interned at ENSAF Capital, a workforce housing investment firm, where he evaluated multifamily deals and joined property management strategy calls. All his experiences, collectively, shape his belief in finance as a tool for innovation, equity, and long-term impact.</image:caption>
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    <image:image>
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      <image:title>Student Board - Rohan Varia</image:title>
      <image:caption>Director of Operations and Media Rohan Varia is a senior at the Riverdale Country School in New York City. He serves as President of the Junior Economic Club of New York City, a nonprofit serving 250+ students across 70+ schools in New York City, as well as Treasurer of Zawadi By Youth Club at his high school, where he plays an active part in helping students make micro- loans for underprivileged areas. As a member of NHSMC, he is especially interested in providing people with access to education on microfinance and financial inclusion activities for high school students. At Riverdale, he is also involved in debate, the school newspaper, Science Olympiad, varsity tennis, and cross country.</image:caption>
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  </url>
  <url>
    <loc>https://www.nhsmc.org/press</loc>
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    <lastmod>2025-04-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5edaf8ec16bbd31a81862cbc/1604275607709-J6J0ONEL42ZE3OS3HEGP/Screen+Shot+2020-11-01+at+7.03.47+PM.png</image:loc>
      <image:title>Press</image:title>
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      <image:title>Press</image:title>
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  </url>
  <url>
    <loc>https://www.nhsmc.org/mailing-list</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-04-12</lastmod>
  </url>
  <url>
    <loc>https://www.nhsmc.org/nhsmcprojects</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.nhsmc.org/home-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-06-10</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5d375649e2ffc000016e0aec/1572716064535-TQDLAWAE3QNNULKXJRR4/20140228_Trade%252B151_0067%252B%25281%2529.jpg</image:loc>
      <image:title>Home - Changing the world is possible. We’ve done it before.</image:title>
      <image:caption>Our leadership team bring years of experience to bear on the greatest challenge of our time. We’re results driven, with a proven record of previous successes.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5d375649e2ffc000016e0aec/1572716107009-6E4HJTG48SG0AXIPQ6KW/20140302_Trade%252B151_0503.jpg</image:loc>
      <image:title>Home - Ready to take the next step?</image:title>
      <image:caption>This is a movement of billions. Whether you’re most comfortable contributing time to help achieve our advocacy goals, money to help us grow, or energy to put political pressure on our governments to change, we need you on our team.</image:caption>
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  </url>
  <url>
    <loc>https://www.nhsmc.org/nhsmcprojects-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-05-27</lastmod>
  </url>
  <url>
    <loc>https://www.nhsmc.org/internship-application</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-06-17</lastmod>
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