Eligibility Criteria:

1. Age: 18-29 years (Up to 35 years for Persons with Disabilities)
2. Education: Form 4 level of education or below
3. Employment Status: Unemployed, underemployed, or in low-tier employment
4. Participation: Open to all NYOTA program participants, including those in the Apprenticeship Program and Start-Up Capital Support.

Key Points:

• Savings Plan: The program offers an auto-enrollment savings plan, where participants can choose to save a portion of their income.
• Incentives: Participants may receive matching contributions and other incentives to encourage regular savings. These incentives are designed to reward consistent saving habits.
• Haba Haba Scheme: This is a special savings scheme under NYOTA that allows participants to accumulate small, regular contributions over time, building a significant savings pool.
• Financial Literacy Training: Participants receive comprehensive training on financial management, budgeting, and investment strategies.
• Partnership with NSSF: The program partners with the National Social Security Fund (NSSF) to enhance participants' savings, with a focus on long-term financial security.
• Outcome: The goal is to empower youth with the financial discipline and knowledge to manage their earnings effectively and secure their future.