Maybe I misunderstood the original posters question but.......
As I understand the Provident Scheme, the company' 12% each month is only receivable to an outgoing employee starting at the 5 year point and is only a percentage of the total amount until you reach the magic 7 year point, at which you as an outgoing employee will receive 100% of the company's 12% contribution.
Of course you would receive all of the 5% total and any self made contributions anytime you leave.
Is this close?
Kap