EVERYTHING happened in March last year. Andreas Bambang Armanto of PT Daestra Rajawali Perkasa forged a credit agreement with PT Kranggo Bhakti Persada, represented by Syarip Djumadi. The credit guarantee was a certificate of deposit on the pilgrims’ initial deposit, managed by the Religious Affairs Ministry. The total amount came to Rp1.987 trillion. The borrower not only holds a receipt of the pilgrims’ deposits at the Sudirman branch of BN