An advertisement promoting cheap housing requiring no down payment piqued John Yopi's attention. The state-owned company employee was curious about the offer, in wide circulation throughout May.

John went so far as to get permission from his office to attend the launch of the cheap housing program on Jalan Pangeran Kusuma Wijaya, about 30 minutes by car from downtown Ketapang, West Kalimantan. "I wanted to know the terms being offered," he said at