IN ADDITION to all the hullabaloo over Bank Indonesia Liquidity Support (BLBI), the amendment to the BI Law, the Master of Settlement and Acquisition Agreement (MSAA) and the Indonesian Bank Restructuring Agency (IBRA) asset divestment, there are two phenomena in Indonesia currently under close scrutiny by foreign analysts and investors. First, if the restructured credits will return to non-performing loans like what happened in Thailand; and sec