In early November 2000, ABN Amro Bank (ABN) had a large-scale promotion of loans without collateral offering a maximum amount of Rp50 million. The conditions included a maximum period of three years with a maximum interest of 14 percent per annum. ABN seemed very serious about these loan offers. The promotion was carried-out pro-actively with their officers approaching potential clients. In the age of multi-crises, who would not want to pass up s