Fitria browses through a brochure promoting Citibank's Ready Cash collateral free program at the Citibank ATM in Plaza Indonesia, Jakarta. She studies the clauses one by one in order to ascertain the conditions that must be fulfilled for obtaining such a loan. Soon her eyes glow. An employee of a printing company located on Jalan Thamrin in Jakarta, she feels that she is able to fulfill the conditions. "Wow, I can buy a new fridge!" exclaims Fi