Mandatory Savings

For all cash borrowed there is 5% of the funds directed towards the savings portion. The cash is divided into 30% short-term and 70% long-term. The 30% can be accessed after one year of being in the fund and the balance of 70% on Retirement

Voluntary Savings

People inclined to save more than what is mandatory or even those not borrowing can save directly into the fund. The cash is divided into 30% short-term and 70% long-term. The 30% can be accessed after one year of being in the fund and the balance on retirement