EVERYTHING started in 2001 when Achmad Djunaidi, President Director of PT Jamsostek (state-owned social insurance firm), agreed to buy medium-term notes worth Rp311 billion. The purchase of Rp97.8 billion in notes was offered by PT Dahana, Rp100 billion by PT Sapta Pranajaya, Rp80 billion by PT Indo Pradana, and Rp33.2 billion worth of notes by PT Volgren. The payment for the promissory notes stagnated, thus causing Djunaidi to have trouble with