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Happy Day

Happy Day Microfunds is a high-school student run microfinancing institution (MFI), which promotes “social entrepreneurship through action.” This is our first year in work, and we’re fundraising money for loans toward student entrepreneurs, in order to test the viability of high school students as both microfinanciers and social entrepreneurs.

Youth Civic Microlending ties in the principles of microfinancing and social entrepreneurship with crowdfunding, using teens’ expansive social networks to aid in fundraising.

Happy Day will provide under-resourced high school entrepreneurs in the Bay Area $1000 to initiate and expand business ventures and start generating revenue. Microloans are special in that there is no high interest for such small, “high-risk” loans and entrepreneurs do not need built-up credit.

In addition our loans are made for high school students and aim to offer opportunities to high school students who have big dreams but small means. Happy Day is one of the MFIs pioneering the field of Civic Microlending, keeping money local in the hands of student entrepreneurs, the leaders of the future.


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Connie Kim

Connie is currently a senior at Mission San Jose High School. She swims competitively for both high school and an outside team, and plays the flute. During her free time, Connie enjoys listening to various types of music, ranging from acoustic to classical, and loves associating with different people. With this year's new team at Happy Day, Connie looks forward to working cohesively with the others to grow this organization and help entrepreneurs start their businesses. She believes in Happy Day's cause and hopes to meet many entrepreneurs and their business plans.

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Vice President

Milan Goyal

Milan Goyal is currently a senior at Mission San Jose High School. He is an active Boy Scout with nearly 1000 community service hours who loves getting involved in his community and making a difference. Milan is currently starting a club at MSHS called Mission Mentors, which invites guest speakers to give presentations about their professions and the education required to get into their respective fields so that high school students get a better feel for what they'd like to pursue in their futures. Commonly known as "Milan the Villain," he is a thrill seeker who has been on the fastest roller coaster in the world. He also loves paint balling and is working on becoming a certified scuba diver.

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Outreach Director and Webmaster

Aamir Rasheed

Currently a senior at Mission San Jose High School, Aamir is quirky and charismatic. In addition to being a three-year varsity athlete of MSJ’s cross country and track teams, his is also an imam at his local masjid, a staff writer for the newspaper The Smoke Signal, and a Boy Scout at Troop 111. In his free time, he enjoys programming in Java and HTML and playing on his old but trustworthy piano. Ketchup is his favorite dressing, topping, condiment, sauce, and flavoring. Teal is his favorite color.

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Branching Development

Laura Chen

A junior in high school, Laura is passionate about indoor rock climbing, literature, and choir. When she isn't doing school-related work, singing, reading, or sleeping, she is trying out recipes with ingredients from her vegetable garden and eating the food she makes. She enjoys listening to the Les Miserables soundtrack and Beatles hits. Hearing about Happy Day in her freshman year sparked Laura's interest in microfinance and entrepreneurship, and she looks forward to working to help HDmf expand its scope as its Branching Development Associate.

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Student Ambassador

Tammy Tseng

Tammy is a high school senior who enjoys dancing, writing, and sleeping in her spare time. She currently serves as MSJHS senior class of 2014 president and student representative on the FUSD SURF Student Board, and plays cello for the San Francisco Symphony Youth Orchestra. She enjoys Coldplay and Passion Pit, sushi, and bad puns.

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Director of Graphics

Amanda Hong

Amanda is a senior at MSJHS. Besides being a graphic designer, she also enjoys swimming and photography. She is the layout editor of the Costanoan Yearbook, as well as the co-publicity coordinator for Interact Club and graphic director for MSJTV. She loves milk tea with boba, and she'll make a really good grilled cheese sandwich as long as it has bacon or avocado. Lastly, she hates writing in third person.


Happy Day Microfunds' primary focus is in the field of microloans. A new yet rapidly growing field, microlending involves providing financial aid that is unavailable to under-resourced business-owners by conventional methods (such as a major bank). Our target entrepreneurs, under-resourced high school students, cannot feasibly access loans at regular institutions, which stunts any potential entrepreneurial growth.

This is where we come into the scene!

We provide microloans to student entrepreneurs who need some starter capital to get their small ventures up and running. After they start generating revenue, each entrepreneur repays the loan (without any interest attached).

Microloans enable entrepreneurs to reach and exceed their previous limits. It is a revolutionary and exciting aspect of finance that is growing exponentially in developing countries and starting to take root in developed ones as well. Happy Day Microfunds is excited to implement microfinance in full in the coming months.