The National Youth Opportunities Towards Advancement (NYOTA) project has detailed rules on withdrawing savings, explaining that beneficiaries cannot access their entire savings at once.

• Only 30% of a beneficiary’s funds can be accessed as short-term savings.
• Key organizations involved are NYOTA, the National Social Security Fund (NSSF), and the government.
• The remaining 70% is locked for long-term goals, with 50% accessible after 5 years, intended to build saving habits and financial security.